PERSONAL AUTO MANUAL
TABLE OF CONTENTS
ITEM
Antique Autos ...........................................................................................................
Application Procedure ..............................................................................................
Artisan Rating Factor ...............................................................................................
Auto Loan/Lease Coverage .....................................................................................
Campers (See Pickup Camper Bodies and Toppers) ..............................................
Cancellation/Nonrenewal .........................................................................................
Changes ...................................................................................................................
Classic Autos ...........................................................................................................
Classification Definitions ..........................................................................................
Age, Sex and Marital Status Classifications (Of Operator) ...............................
Use Classifications ............................................................................................
Classification Procedure ..........................................................................................
Classification Changes ......................................................................................
Multi-Car Risks ..................................................................................................
Primary Classification ........................................................................................
Secondary Classification ...................................................................................
Single Car Risks ................................................................................................
Coverages - Limits and Deductibles ........................................................................
Base Rates ........................................................................................................
Deductible Insurance .........................................................................................
Medical Payments .............................................................................................
Physical Damage for Vehicles Over 10 Years Old ............................................
Split Liability Limits ...........................................................................................
Uninsured Motorists Coverage ..........................................................................
Customizing Equipment Coverage ..........................................................................
Definitions.................................................................................................................
Artisan Vehicles .................................................................................................
Farm Family Corporations and Partnerships .....................................................
Farm Truck ........................................................................................................
Federal Government Employees .......................................................................
Pickups and Vans ..............................................................................................
Private Passenger Auto .....................................................................................
Discounts..................................................................................................................
Anti-Theft ...........................................................................................................
Companion Policy ..............................................................................................
Accident Prevention Course ..............................................................................
Good Student.....................................................................................................
Household..........................................................................................................
Mature Driver .....................................................................................................
Multi-Car ............................................................................................................
Passive Restraint ...............................................................................................
Electric Autos ...........................................................................................................
Eligibility Personal Auto Policy .................................................................................
Eligibility Vehicles and Drivers .................................................................................
Employers Non-ownership Liability ..........................................................................
Excess Electronic Equipment Cov. & Tapes, Records, Disks & Other Media Cov.
Extended Non-Owned Coverage (Borrowed Or Rented Autos) ..............................
Oklahoma (Ed. 006)
North Star Mutual Ins. Co.
RULE #
18
33
25
23
37
30
19
3
3
3
4
4
4
4
4
4
9
9
9
9
9
9
9
21
2
2
2
2
2
2
2
5
5
5
5
5
5
5
5
5
20
1
39
15
12
14
PA PAGE
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24-25
35
45
33
29-30
37
34
26
3-5
4-5
3
5-6
6
6
5
5-6
6
14-16
14
16
14
16
14
15
27
1-2
2
2
2
2
2
1
7-9
7
7
8
8-9
7
9
7
8
26
1
38
23
20
22
New Business 11-01-15
Renewals
11-01-15
PERSONAL AUTO MANUAL
TABLE OF CONTENTS CONTINUED
ITEM
Farm Truck Rating Factor Table ..............................................................................
Installment Premium Payment Option .....................................................................
Insurance Score .......................................................................................................
Loan/Lease Coverage ..............................................................................................
Motor Homes ............................................................................................................
Named Non-Owner Coverage..................................................................................
Nonrenewal (See Cancellation/Nonrenewal) ...........................................................
Optional Limits Transportation Expenses Coverage (Rental Expense Cov.) ..........
Pickup Camper Bodies and Toppers .......................................................................
Policy Period and Continuation ................................................................................
Premium Calculation Steps ......................................................................................
Premium Determination ...........................................................................................
Premium Determination - Farm Trucks ....................................................................
Premium Procedures ...............................................................................................
Bad Check Charge ............................................................................................
Down Payment Requirements ...........................................................................
Endorsements ...................................................................................................
New Business ....................................................................................................
Non-Payment .....................................................................................................
Renewals ..........................................................................................................
Pro-Rata Changes ...................................................................................................
Questionable Applicants ..........................................................................................
Rate Change ............................................................................................................
Rates For Symbols Not Displayed ...........................................................................
Rating Factors and Statistical Codes
Primary Classifications ......................................................................................
Secondary Classifications .................................................................................
Rating Territories and Factors..................................................................................
Rating Tier Selection And Factors ...........................................................................
Auto Discount Selection Guide ..........................................................................
Roadside Assistance ................................................................................................
Safe Driver Insurance Plan (SDIP) ..........................................................................
Administration of SDIP.......................................................................................
Combination Accidents and Convictions ...........................................................
Definitions ..........................................................................................................
Driving Record Sub-Classification .....................................................................
Multi-Car Risk ....................................................................................................
Schedule of Endorsements ......................................................................................
Suspension...............................................................................................................
Symbol Determination for Pickups, Vans, Farm Trucks and Unlisted Vehicles ......
Towing and Labor Costs – See Roadside Assistance
Trailers Designed for Use with Private Passenger Autos ........................................
Transportation Expenses Coverage – Optional Limits (Rental Expense Cov.) .......
Trusts as Additional Insureds ...................................................................................
Undesirable Vehicles ...............................................................................................
Whole Dollar Premium .............................................................................................
Territory Definitions ...............................................................................................
Oklahoma (Ed. 007)
North Star Mutual Ins. Co.
RULE #
PA PAGE
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45
36
41-42
33
28
21
37
23
29-30
34
13
12
45
36
36
36
36
36
36
36
34
36
34
19
38
10
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42-44
44
35
40
40
23-24
9-12
12
11
9-11
11
11
46
37
17-18
24
16
26
41
27
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30-32
23
33
39
34
35
43
25
22
13
37
16
23
28
8
7
36
36
36
36
36
36
36
31
34
29
11
32
42
42
17
6
6
6
6
6
6
T-1 – T-3
New Business 11-01-15
Renewals
11-01-15
PERSONAL AUTO MANUAL
RULE 1 - PERSONAL AUTO POLICY - ELIGIBILITY
A. A Personal Auto Policy will be used to provide coverage to private passenger autos, and motor vehicles
considered as private passenger autos in RULE 2 if:
1. They are written on a specified auto basis; and
2. They are owned by an individual or by spouses who are residents in the same household. Both spouses
who are residents in the same household may be listed as named insureds on the declarations page.
B. A Personal Auto Policy will be used to provide coverage to private passenger autos, pickups, and vans that
are owned jointly by two or more:
1. Resident relatives other than spouses; or
2. Resident individuals; or
3. Non-resident relatives, including non-resident spouses; if:
a. They are written on a specified auto basis; and
b. The Joint Ownership Coverage endorsement is attached.
C. A Personal Auto Policy will be used to provide coverage to motor homes if:
1. They are written on a specified vehicle basis;
2. They are owned by an individual, by spouses who are residents of the same household, or by two or
more resident relatives; and
3. The Miscellaneous Type Vehicle Endorsement is attached.
D. Private Passenger Autos owned by corporations, co-partnerships, or unincorporated associations are not
eligible.
Exception:
Private Passenger Autos owned by farm family co-partnerships or farm family corporations principally
garaged on a farm or ranch shall be classified and rated in accordance with RULES 3 and 4, provided that
vehicle is not used in an occupation other than farming or ranching.
E. A Personal Auto Policy will be used to provide coverage to farm trucks provided they meet the requirements
in RULE 1, Paragraph A. and are not used to haul for others or for hire.
F. NAMED NON-OWNER
PP 03 22
A Personal Auto Policy may be used to provide coverage to a named individual who does not own an auto.
The named non-owner coverage endorsement must be attached. This coverage may be used for existing
accounts only. Not to be used on new business.
RULE 2 - DEFINITIONS
A. 1. PRIVATE PASSENGER AUTO
A private passenger auto is a four wheel motor vehicle, other than a truck type, owned or leased under
contract for a continuous period of at least six months, and:
a. Not used as a public or livery conveyance for passengers;
b. Not rented to others; or
c. not enrolled in a personal vehicle sharing program or being used in connection with such a sharing
program.
Oklahoma (Ed. 005)
North Star Mutual Ins. Co.
PA - 1
New Business 05-01-15
Renewals
05-01-15
RULE 2 - DEFINITIONS (Continued)
2. PICKUPS AND VANS
A pickup or van shall be considered a private passenger auto, if it:
a. Is owned by an individual or by spouses who are residents of the same household;
b. Has a Gross Vehicle Weight Rating of 10,000 lbs. or less; and
c. Is not used for the delivery or transportation of goods or materials unless such use is:
1) Incidental to the insured’s business of installing, maintaining or repairing furnishings or equipment
as an Artisan (see definition of Artisan Vehicle below); or
2) For farming or ranching.
3. FEDERAL GOVERNMENT EMPLOYEES
PP 03 01
A pickup or van used in the business of the United States Government, by an employee of the
Government, shall be considered a private passenger auto only if:
a. It meets the conditions in 2.a., 2.b. and 2.c. above; and
b. Coverage is limited in accordance with the federal employees using autos in government business
endorsement.
4. FARM FAMILY CORPORATIONS AND PARTNERSHIPS
NSG-PA02
A motor vehicle owned by a farm family co-partnership or farm family corporation shall be considered a
private passenger auto owned by two or more relatives who are residents of the same household if:
a. It is principally garaged on a farm or ranch; and
b. It otherwise meets the definitions in 1. and 2. above.
5. FARM TRUCK
NSG-PA04
A farm truck is a truck type motor vehicle, including semi-tractors which is used for farming purposes, but
which is not used for pleasure, commuting to work or hauling for hire.
6. ARTISAN VEHICLE
An artisan vehicle is a pickup, van or SUV with a Gross Vehicle Weight Rating of 10,000 lbs. or less. The
use must not be for the delivery or transportation of goods or materials unless such use is incidental to
the insureds business of installing, maintaining or repairing furnishings or equipment. (i.e. carpenter,
electrician, plumber, plasterer, or painter)
B. AUTO as used in this manual refers to a private passenger auto or a vehicle considered as a private
passenger auto.
C. LIABILITY as used in this manual refers only to Bodily Injury and Property Damage Coverages.
D. OTHER THAN COLLISION (OTC) COVERAGE as used in this manual refers to other than collision
damage to a motor vehicle.
E. OWNED as used in this manual includes an auto leased under contract for a continuous period of at least six
months. If an auto lease contract requires the lessee to provide primary insurance for the lessor, attach the
additional insured-lessor endorsement.
F. GROSS VEHICLE WEIGHT RATING as used in this manual refers to the maximum loaded weight for which
a single vehicle is designated, as specified by the manufacturer.
Oklahoma (Ed. 003)
North Star Mutual Ins. Co.
PA - 2
New Business 05-01-15
Renewals
05-01-15
RULE 3 - CLASSIFICATION DEFINITIONS
A. USE CLASSIFICATIONS
1. BUSINESS USE means that the use of the auto is required by or customarily involved in the duties of the
applicant or any other person customarily operating the auto, in an occupation, profession or business,
other than going to or from the principal place of occupation, profession or business.
2. FARM USE means the auto is principally garaged on a farm or ranch, and:
a. It is not customarily used in going to or from work other than farming or ranching;
b. It is not customarily used in going to or from school;
c. It is not customarily used in any occupation other than farming or ranching; and
d. A substantial portion of the insured’s income is derived from active farming or ranching.
3. PLEASURE USE means:
a. No BUSINESS USE; and
b. Personal use, including driving to or from work or school:
1) Less than 3 road miles one way; and
2) 3 or more, but less than 15, road miles one way for not more than 2 days per week or not more
than 2 weeks in any 5 week period.
4. WORK LESS THAN 15 MILES means:
a. No BUSINESS USE; and
b. Personal use, including driving to or from work or school:
1) 3 or more, but less than 15, road miles one way if such usage is more than 2 days per week or
more than 2 weeks per 5 week period; or
2) 15 or more, but less than 30, road miles one way, for not more than 2 days per week or not more
than 2 weeks in any 5 week period.
5. WORK 15 OR MORE BUT LESS THAN 30 MILES means:
a. No BUSINESS USE; and
b. Personal use, including driving to or from work or school:
1) 15 or more, but less than 30, road miles one way more than 2 days per week or more than 2
weeks in any 5 week period; or
2) 30 or more road miles one way for not more than 2 days per week or not more than 2 weeks in
any 5 week period.
6. WORK 30 OR MORE MILES means: personal use including driving to or from work or school 30 or more
road miles one way more than 2 days per week or more than 2 weeks in any 5 week period.
7. An auto driven part way to or from work or school, such as to a railroad or bus depot, whether or not the
auto is parked at the depot during the day, shall be considered as driving to or from work or school.
8. An auto used by a member of the clergy shall not be considered as used for business or driven to and
from work. Rate as pleasure use.
LIABILITY COVERAGE ONLY
9. An auto used in the business of the U.S. Government by one of its employees may be classified and
rated as PLEASURE USE, WORK LESS THAN 15 MILES or WORK 15 OR MORE MILES when the
“Federal Employees Using Autos In Government Business” endorsement PP 03 01 is used to limit
coverage.
Oklahoma (Ed. 002)
North Star Mutual Ins. Co.
PA - 3
New Business 11-01-10
Renewals
11-01-10
RULE 3 - CLASSIFICATION DEFINITIONS (Continued)
B. AGE, SEX AND MARITAL STATUS CLASSIFICATIONS
1. YOUTHFUL OPERATOR means an applicant or any other operator resident in the same household as
the applicant, who customarily operates the auto, and is one of the following:
a. YOUTHFUL UNMARRIED FEMALE OPERATOR - unmarried female age 24 and younger;
b. YOUTHFUL MARRIED MALE OPERATOR - married male age 24 and younger;
c. YOUTHFUL UNMARRIED MALE OPERATOR - unmarried male age 24 and younger who is not an
owner or principal operator; or
d. YOUTHFUL UNMARRIED MALE OWNER OR PRINCIPAL OPERATOR - unmarried male age 24
and younger who is an owner or principal operator.
2. OPERATORS AGE 50 AND OVER
a. The Operator Age 50-64 Class shall apply if the operator of the auto is age 50 to 64.
b. The Operator Age 65-74 Class shall apply if the operator of the auto is age 65 to 74.
c. The Operator Age 79 or Over Class shall apply if the operator of the auto is age 79 or over.
d. If all operators in the household are age 50 or over, the above classes shall apply to all autos.
e. If there are operators in the household under age 50:
1) Any youthful operator class shall apply in accordance with the youthful operator rules.
2) The age of the operator shall be disregarded for the purposes of rating automobiles in excess of
the number of operators age 50 and over (unless a youthful operator classification is applicable).
3) Autos principally operated by an adult under age 50 shall be rated at the “All Other” or “Only
Operator Female Age 30-49” Classification (unless a youthful operator classification is
applicable).
3. AGE means the age attained on the last birthday.
4. MARRIED means a married person living with his or her spouse and includes a person widowed,
divorced or legally separated only if such person has custody of one or more resident children.
5. PRINCIPAL OPERATOR means:
a. An individual whose operation of the auto constitutes 50% or more of its time or mileage use is
considered a principal operator.
b. Each individual who does not qualify as a principal operator as defined in a. above but whose
aggregate operation of all private passenger automobiles in the household equals 50% or more of the
total time or mileage use of one insured automobile is considered a principal operator for one such
automobile.
c. If two or more unmarried males age 24 and younger do not individually qualify as principal operator
but their combined use of the automobile constitutes 50% or more of its total time or mileage use, the
automobile is considered as having a principal operator of the same age as the unmarried male age
24 and younger who is the most frequent operator. The same interpretation applies to situations
involving two or more unmarried females age 24 and younger.
d. When two or more vehicles are insured for a principal operator with a youthful driver class code, the
youthful operator - principal driver factor will apply to the highest rated vehicle whether principally
operated or not. The all other class factor will apply to the other vehicles insured.
Oklahoma (Ed. 004)
North Star Mutual Ins. Co.
PA - 4
New Business 10-01-12
Renewals
10-01-12
RULE 3 - CLASSIFICATION DEFINITIONS (Continued)
6. RESIDENT means anyone residing in the same household.
Exceptions:
a. A person in active military service with the armed forces of the United States of America is not
considered a resident in the applicant’s household unless this person customarily operates the auto.
This applies to military assignment after basic training.
b. If a YOUTHFUL UNMARRIED FEMALE OPERATOR is a student residing at an educational
institution over 100 road miles from the address of the named insured shown on the declarations and
does not have a car with her, she is rated under the “All Other” class on the highest rated vehicle.
This does not apply to OTC only vehicles.
c. If a YOUTHFUL UNMARRIED MALE OPERATOR is a student residing at an educational institution
over 100 road miles from the address of the named insured shown on the declarations and does not
have a car with him, he is rated as if he is MARRIED. This does not apply to OTC only vehicles.
Note: For the purpose of Exception c., if the rating factor for a married youthful operator is greater
than the factor for an unmarried youthful operator, use the lower factor and corresponding
statistical code.
RULE 4 - CLASSIFICATION PROCEDURE
Refer to RULE 3 - CLASSIFICATION DEFINITIONS for definitions of terms used in this rule.
A. Autos owned by an individual, or owned jointly by two or more relatives or resident individuals are classified
as follows:
1. PRIMARY CLASSIFICATION
a. Classify the auto according to the age, sex and marital status of the operators, the use of the auto
and the eligibility of youthful operators Good Student classes, and
b. Determine the applicable factor from the Primary Rating Factor tables.
Note: The exposure increases considerably when a youthful driver is first learning to drive. It is
therefore required that when a youthful driver can legally drive unsupervised, he or she be
added to the policy as a driver and the appropriate youthful driver classification be applied on
the next renewal date.
2. SECONDARY CLASSIFICATION
a. Determine if the auto is:
1) A single car; or
2) Part of a multi-car risk.
b. Refer to the Safe Driver Insurance Plan to classify operators according to the provisions of the Plan.
c. Refer to the Secondary Rating Factor table to determine the appropriate factor to be added to, or
subtracted from the Primary Rating Factor to determine the “Total Rating Factor”.
3. The applicable “Youthful Operator” Classifications shall be applied as follows:
Determine the number of Youthful Operators and the Primary Rating Factor for each at the Pleasure Use
Classification.
a. If there are more cars than Youthful Operators, or an equal number of cars and Youthful Operators,
assign operators to cars as follows:
1) Each principal Youthful Operator to the car principally operated;
2) Remaining Youthful Operators to remaining cars in the order of highest rated Youthful Operator to
the car with the highest Total Base Premium without regard to the cars operated; and
3) Any remaining cars at the appropriate No Youthful Operator classification.
4) If an insured is provided with a company vehicle that vehicle will be considered as their primary
auto and therefore that person should not be rated on a vehicle on the policy.
Oklahoma (Ed. 004)
North Star Mutual Ins. Co.
PA - 5
New Business 05-01-15
Renewals
05-01-15
RULE 4 - CLASSIFICATION PROCEDURE (Continued)
b. If there are more Youthful Operators than cars, assign Youthful Operators to cars as follows:
1) Select the Youthful Operators with the highest Pleasure Use rating factors equal to the number of
cars.
2) Of those selected in paragraph 1), assign any principal operator to the cars they principally
operate.
3) Of those remaining after principal operator assignment in paragraph 2), assign operators to cars
in the order of highest rated Youthful Operator to the car with the highest Total Base Premium.
After assigning Youthful Operators to cars on the basis of the primary Pleasure Use factors, each factor
must be adjusted for the actual car use before determining and applying the Secondary Rating Factor.
c. If the TOTAL BASE PREMIUM is the same for each car, the classification for any youthful operator
who is not the principal operator of any of the autos is applied to the auto with the lowest rated use
classification.
TOTAL BASE PREMIUM is the sum of the base premiums for Bodily Injury and Property Damage
Liability, Medical Payments, Other Than Collision (OTC) and Collision coverages that apply to the
auto.
4. SINGLE CAR RISKS AND MULTI-CAR RISKS
a. Single Car Risks
If the number of youthful operators exceeds the number of autos, the Youthful Operator
Classifications with the highest Primary Rating Factors apply. In determining such classifications, any
Good Student qualification shall apply.
b. Multi-Car Risks
The applicable Multi-Car Rating Factor applies if more than one private passenger auto is owned by
an individual or owned jointly by two or more resident relatives, and two or more such autos are
insured in North Star for any of the following coverages:
Bodily Injury Liability, Property Damage Liability, Medical Payments, Other Than Collision (OTC) or
Collision insurance. The vehicle operators must be resident relatives of the insured's household.
For purposes of this rule, a relative shall include the following persons:
Spouse;
Child, adopted child, stepchild or grandchild;
Parent, stepparent or grandparent;
Brother or stepbrother; or
Sister or stepsister.
Motor Homes, Farm Trucks, or trailers are not eligible for the Multi-Car discount and do not qualify
other vehicles for the Multi-Car discount.
B. CLASSIFICATION CHANGES
Compute premium adjustments on a pro-rata basis when changes in Primary and Secondary Rating
Classifications are made. This includes the addition or deletion of an operator during the policy term.
Exceptions:
1. A policy shall not be changed mid-term because of the attained age of an operator of the auto.
2. A policy shall not be changed mid-term to affect a change in the Driving Record Sub-Classification.
3. A policy shall not be changed mid-term solely due to a change in symbol assignment based on a review
of loss experience for vehicle series rating by the Insurance Services Office.
Oklahoma (Ed. 003)
North Star Mutual Ins. Co.
PA - 6
New Business 06-01-14
Renewals
06-01-14
RULE 5 - DISCOUNTS
A. COMPANION POLICY DISCOUNT
1. A 20% Companion Policy Discount (for Select, Preferred and Five Star rated vehicles) applies on the auto
premium for those insureds who have their Homeowners, Mobile Homeowners or Farmowners Policy with
North Star Mutual Insurance Company. Tenants forms must carry a minimum amount of $30,000 on
Coverage C. Apply the discount to each coverage requested on the application. There may be some
variance due to rounding procedures. The vehicle operators must be resident relatives of the insured's
household or students enrolled in school full time, as defined by the school. Dwelling Fire and Farm Fire
policies do not apply.
2. The discount shall continue for each subsequent auto renewal, provided the individual continues to
maintain the qualifying policy with North Star Mutual Insurance Company.
3. On existing policies, the discount will only be applied at renewal.
4. Qualification for the Companion Policy Discount assumes that all personal autos of the insured are being
written with North Star Mutual.
5. Show the qualifying policy number in the REMARKS section of the application.
B. MULTI-CAR DISCOUNT
The applicable Multi-Car Rating Factor applies if more than one eligible private passenger auto is owned and
operated by an individual or by two or more resident relatives and the vehicles are insured on the same
policy. If the Multi-Car Discount applies, use the appropriate Multi-car rating factor shown in the Secondary
Classifications table on page PA-42 of the Rating Factors and Statistical Codes.
C. HOUSEHOLD DISCOUNT
The Household Discount applies when there is only one eligible private passenger rated auto insured on the
policy and a resident relative insures one or more eligible private passenger rated auto(s) on a separate
policy in our company. This discount provides a - .19 rating factor which is applied to the primary rating factor.
The discount may also apply if the insured only has one vehicle on the policy and is supplied a company car
or has a separate commercial auto policy. It may also apply to non-traditional couples both insuring their
autos with North Star on separate policies. The Household Discount and the Multi-Car Discount may not
apply simultaneously on the same policy.
D. ANTI-THEFT DISCOUNT
These discounts apply to Other Than Collision (OTC) Coverage only. To qualify, the vehicle must be
equipped with:
1. A hood lock which can be released only from inside the vehicle; and
2. A device meeting the criteria of either paragraph a. or b. below:
a. Alarm ONLY (Coverage Code 1) and Active Disabling Devices (Coverage Code 2)
A 5% discount on Other Than Collision (OTC) Coverage will be provided on vehicles equipped with 1)
alarm only devices which sound an audible alarm that can be heard at a distance of at least 300 feet
for a minimum of three minutes, or 2) active disabling devices which disable the vehicle by making
the fuel, ignition or starting system inoperative. A disabling device is categorized as active if a
separate manual step IS required to engage the device.
b. Passive Disabling Device (Coverage Code 3)
A 15% discount on Other Than Collision (OTC) Coverage will be provided on vehicles equipped with
passive disabling devices which disable the vehicle by making the fuel, ignition or starting system
inoperative. A disabling device is categorized as passive if a separate manual step is NOT required
to engage the device.
If a vehicle is equipped with more than one qualifying device, only the single highest discount shall apply.
Refer to Company for required evidence of installation of anti-theft devices meeting the above criteria
prior to granting a discount.
Oklahoma (Ed. 007)
North Star Mutual Ins. Co.
PA - 7
New Business 05-01-15
Renewals
05-01-15
RULE 5 - DISCOUNTS (Continued)
E. PASSIVE RESTRAINT DISCOUNT
The following discounts apply to Medical Payments Coverage ONLY. To qualify, the private passenger auto
must be equipped with a factory installed automatic occupant restraint conforming to the federal crash
protection requirements, and meeting the criteria of either paragraph 1. or 2. below:
1. 20% discount will be provided when the restraint is installed in the driver-side-only position.
2. 30% discount will be provided when the restraints are installed in both front outboard seat positions.
F. ACCIDENT PREVENTION COURSE DISCOUNT (Defensive Driver)
1. A 5% Motor Vehicle Accident Prevention Course Discount shall be applied to the premiums for Bodily
Injury Liability, Property Damage Liability, Medical Payments and Collision coverages provided:
a. The auto is classified and rated as a private passenger auto; and
b. The principal operator of the auto has a completion certificate, dated within the most recent 36
months, certifying successful completion of an accident prevention course approved by North Star
(ATTACH PHOTOCOPY OF CERTIFICATE to application or request for discount).
The course must not be a self-instructed course and must not be required by a court order resulting from
a motor vehicle violation or an alcohol or drug-related offense. An approved course shall provide for a
minimum of six hours of actual classroom or field driving instruction.
2. The discount applies as follows:
a. To new and renewal policies with inception dates within the 36-month period following the course
completion date.
b. Only to the motor vehicle principally operated by the insured with the course completion certificate.
c. Only once to each such motor vehicle regardless of the number of operators with course completion
certificates.
3. The discount shall not apply if the operator who completed the course:
a. Is eligible for a Driver Training Classification according to the Personal Auto Manual; or
b. Has been assigned one or more points under the Safe Driver Insurance Plan as a result of accidents
or convictions.
G. GOOD STUDENT DISCOUNT
The applicable Good Student Classification in the Primary Classification Rating Table applies provided:
1. The owner or operator is a full time high school, college or university student. A full time student means a
student enrolled in school full time, as defined by the school.
2. A certified statement from a school official is presented to the Company on each annual anniversary date
of the policy indicating that the student has met one of the following requirements during the immediately
preceding school semester:
a. Is in the upper 20% of his/her class scholastically;
b. Maintains a “B” average, or its equivalent. If the letter grading system cannot be averaged, then no
grade can be below “B”;
c. When in a school maintaining a numerical grade, must have at least a 3 in a 4, 3, 2, 1 point system or
its equivalent; or
d. Student is included in a “Dean’s List”, “Honor Roll” or comparable list indicating scholastic
achievement.
Oklahoma (Ed. 003)
North Star Mutual Ins. Co.
PA - 8
New Business 11-01-13
Renewals
11-01-13
RULE 5 - DISCOUNTS (Continued)
3.
The Good Student discount will stay in effect through age 24 even if the owner or operator is no longer a
full-time student if the owner/operator graduated from Vocational School, College, or University and was
eligible during the last semester attended.
Current Business - The Good Student Discount will be continued only if a new certificate is sent to the
Home Office annually. The Home Office will send a notice to the agent approximately 90 days prior to
the renewal date, stating that a new Good Student Certificate is required. It is then the agent’s
responsibility to forward the new certificate to the Home Office prior to the renewal notice being issued.
This means that we must receive it no later than 45 days prior to the renewal date. Midterm class
changes to apply the Good Student Discount will be processed using the current date. Back dating the
effective date is not permitted.
H.
MATURE DRIVER DISCOUNT
Any driver in the 50-74 age group receives the best rating factors available. Generally, the discount is
15% as compared to younger age groups.
RULE 6 - SAFE DRIVER INSURANCE PLAN (SDIP)
A. DEFINITIONS
1. DRIVING RECORD POINTS
a. Convictions
Points shall be assigned for convictions during the experience period for motor vehicle violations of
the applicant or any other current resident operator as follows:
1) One-half point is assigned for conviction of any moving traffic violation by any driver under the
age of 30 which is not assigned under one of the following paragraphs (This is limited to the first
two convictions during the experience period).
2) One point shall be assigned for the conviction of any moving traffic violation resulting in:
a) Suspension or revocation of an operator's license;
b) The filing of evidence of financial responsibility under any Financial Responsibility Law
required as of the effective date of the policy; or
c) The third and successive convictions not qualifying under paragraphs one and four of this
section by a driver under age 30.
3) Two points shall be assigned for:
a) the accumulation of points under a State Point System or a series of convictions requiring the
filing of evidence of Financial Responsibility under any Financial Responsibility Law as of the
effective date of the policy; or
b) Conviction of reckless driving.
4) Three points are assigned for conviction of:
a) Driving while intoxicated or under the influence of drugs;
b) Failure to stop and report when involved in an accident;
c) Homicide or assault arising out of the operation of a motor vehicle;
d) Driving while license is suspended or revoked; or
e) Driving a motor vehicle at an excessive rate of speed and/or in a reckless manner where an
injury to person or damage to property results.
b. Accidents
Points shall be assigned for each accident that occurred during the experience period, involving the
insured or operator of the vehicle, who is 50% or more at fault.
Oklahoma (Ed. 001)
North Star Mutual Ins. Co.
PA - 9
New Business 06-01-14
Renewals
06-01-14
RULE 6 - SAFE DRIVER INSURANCE PLAN (SDIP) (Continued)
1) One-half point is assigned for each auto accident that results in total amount paid under Bodily
Injury, Property Damage, Medical Payments and Collision less than $2,000.
2) One point is assigned for each auto accident that results in:
a) Total amount paid under Bodily Injury, Property Damage, Medical Payments and Collision of
$2,000 or more; or
b) A loss experienced under the OTC (Comprehensive) Coverage portion of the policy in which
an at fault accident that would normally be paid under Collision Coverage, but glass breakage
is paid under the OTC Coverage.
3) One point is assigned if, during the experience period there were two or more accidents each of
which resulted in payment but have not been assigned a point under 2) above.
4) Chargeable losses resulting from the operation of a farm truck, motor home, artisan vehicle or an
antique auto are subject to the provisions of the Safe Driver Insurance Plan.
Exceptions:
1) No points are assigned for accidents incurred by an operator demonstrated to be a named
insured or a principal operator of an auto insured under a separate policy in this Company. In this
situation the points will be assigned to the policy on which the operator is a named insured or
principal operator.
2) No points are assigned for accidents occurring under the following circumstances:
a) Auto lawfully parked;
b) The applicant, owner or other resident operator involved in an accident is
(1) Determined to be 50% or less negligent, or
(2) Reimbursed for 50% or more of his or her damages by, or on behalf of persons involved
in the accident;
c) Auto is struck in the rear by another vehicle and the applicant or other resident operator has
not been convicted of a moving traffic violation in connection with this accident;
d) Operator of the other auto involved in the accident was convicted of a moving traffic violation
and the applicant or resident operator was not convicted of a moving traffic violation in
connection with the accident;
e) Auto operated by the applicant or any resident operator is struck by a “hit-and-run” vehicle, if
the accident is reported to the proper authority within 24 hours by the applicant or resident
operator;
f)
Accidents involving damage by contact with animals or fowl;
g) Accidents involving Physical Damage, limited to and caused by flying gravel, missiles, or
falling objects;
h) Accidents occurring when using auto, regardless of ownership, in performance of a duty if the
operator of the auto at the time of accident was a paid or volunteer peace officer, firefighter,
operator of emergency vehicles, or member of any law enforcement agency. This exception
does not include an accident occurring after the auto ceases to be used in performance of
duty; or
i)
The applicant or any current resident operator involved in an accident was not at fault. This
exception does not apply if the applicant or resident operator was convicted of:
•
•
Oklahoma (Ed. 001)
North Star Mutual Ins. Co.
Homicide or assault arising out of the operations of a motor vehicle; or
Driving while intoxicated or under the influence of drugs.
PA - 10
New Business 11-01-10
Renewals
11-01-10
RULE 6 - SAFE DRIVER INSURANCE PLAN (SDIP) (Continued)
c. One point is assigned if, during the experience period there was one-half point assigned under
convictions and one-half point assigned under accidents.
d. Refund of Surcharged Premium
If a point has been assigned for an accident and it is later determined that the accident falls under
one of the exceptions in this rule, North Star shall refund to the insured the increased portion of the
premium generated by the accident.
2. EXPERIENCE PERIOD
The experience period shall be the three years immediately preceding the date of application or the
preparation of the renewal. However, consideration may be given for a period of not more than five years
for the following:
a. An insured who has been convicted of:
1) Homicide or assault arising out of the operation of any motor vehicle; or
2) A violation of Section 11-902 or 761 of Title 47 of the Oklahoma Statutes as being impaired by or
under the influence of alcohol or intoxicating liquor or who was under the influence of any
substance included in the Uniform Controlled Dangerous Substances Act;
b. An offense of reckless driving as provided for in Section 11-901 of Title 47 of Oklahoma Statutes.
A one month grace period may apply, which takes into consideration accidents or convictions within 30
days of dropping off.
B. DRIVING RECORD SUB-CLASSIFICATION
The driving record sub-classification shall be determined from the number of Driving Record Points
accumulated during the 3-year experience period as follows:
Number of
Driving Record Points
Driving Record
Sub-Classification
0
1
2
3
4 or more
0
1
2
3
4
C. MULTI-CAR RISK
1. SINGLE CAR
Points attributable to each driver shall be compiled separately and the total of all drivers shall determine
the surcharge for that vehicle.
2. TWO CAR RISK
The Driving Record Sub-Classification, as determined above, shall apply to each auto as shown under
the Multi-Car Section in the Secondary Table.
3. THREE OR MORE CAR RISK
Any points developed under SDIP are assigned to the two cars with the highest Total Base Premiums.
The remaining autos are rated at Sub-Class O.
TOTAL BASE PREMIUM is the sum of the base premium for Bodily Injury and Property Damage Liability;
Medical Payments; Other Than Collision (OTC); and Collision Coverages that apply to the auto.
D. COMBINATION ACCIDENTS AND CONVICTIONS
If a conviction and a chargeable accident result from the same occurrence, only the conviction or the accident
developing the highest number of points shall be counted and the resulting rating points shall be used in
determining the surcharge.
Oklahoma (Ed. 002)
North Star Mutual Ins. Co.
PA - 11
New Business 09-01-11
Renewals
09-01-11
RULE 6 - SAFE DRIVER INSURANCE PLAN (SDIP) (Continued)
E. ADMINISTRATION OF SDIP
1. NEW BUSINESS
a. Initial information necessary to assign the proper Driving Record Sub-Classification shall be obtained
from an application signed personally by the applicant.
b. The signature of the applicant on all applications received from an agent shall be certified by such
agent.
2. RENEWAL BUSINESS
Information necessary to assign proper renewal Driving Record Sub-Classification shall be determined
from any one or combination of the following:
a. Company’s own records;
b. Motor Vehicle records; or
c. An application signed by the applicant and producer.
RULE 7 - PREMIUM DETERMINATION
Bodily Injury and Property Damage Liability; Medical Payments, Other Than Collision (OTC) and Collision
premiums are determined as follows:
A. Refer to the AUTO DISCOUNT SELECTION GUIDE to determine the eligibility requirements for the “Select”
rate. If additional criteria are met, the “Preferred” or “Five Star” discounts may be applicable.
B. Refer to the Rating Factors and Statistical Codes Rule to determine the applicable Classification, Rating
Factor and Statistical Code.
C. Refer to the ISO Symbol and Identification Manual for the appropriate symbol of the auto.
When model year is used in rating and the rates for a model year are not displayed in the rate pages, use the
rates shown for the latest model year.
Refer to chart shown in RULE 10 for determination of symbols on pickups, vans, farm trucks and unlisted
vehicles.
D. Refer to Territory Definitions to determine the territorial schedule code number for the location where the auto
is principally garaged.
Note: When a risk is statutorily required to have, or is eligible for, a coverage that is not available in the
territory of principal garaging, use the registration address to determine the territory for that coverage.
E. Refer to Rule 9.A. to determine base rates for the desired coverage.
F. For Stated Amount Coverage multiply the rate by the limit of liability to determine the Base Premium.
G. The premium for each coverage is determined by multiplying the base rate by the appropriate rating factors.
(See RULE 8 - PREMIUM CALCULATION STEPS)
H. Apply the Undesirable Vehicle Surcharge if applicable. Refer to RULE 41.
I. When a surcharge is applicable under the Certified Risk - Financial Responsibility Laws Rule, the surcharge
is to be applied as outlined in RULE 6 - SAFE DRIVER INSURANCE PLAN (SDIP).
Oklahoma (Ed. 001)
North Star Mutual Ins. Co.
PA - 12
New Business 11-01-10
Renewals
11-01-10
RULE 8 - PREMIUM CALCULATION STEPS
After each calculation, round to the nearest whole dollar. If a particular rating item is not applicable for a particular
coverage or vehicle, go to the next step.
Coverages
Calculation Steps
Base Rate
x Rating Tier Factor
x Territory Factor
x Model Year/Symbol Relativity
x Limit Factor
x Deductible Factor
x Accident Prevention Course
Discount
x Driver Class Factor
(Primary +/- Secondary)
x Anti-Theft Discount
x Passive Restraints
x Insurance Score Factor
x Companion Policy Discount
= Premium
Oklahoma (Ed. 003)
North Star Mutual Ins. Co.
BI/PD
Liability
Medical
Payments
Uninsured
Motorists
x
x
N/A
x
N/A
x
x
N/A
x
N/A
N/A
x
N/A
x
N/A
x
x
x
N/A
x
x
x
x
N/A
x
N/A
N/A
N/A
N/A
N/A
x
x
N/A
N/A
x
N/A
x
N/A
N/A
x
x
=
x
N/A
x
x
x
=
N/A
N/A
N/A
x
x
=
x
x
N/A
x
x
=
x
N/A
N/A
x
x
=
N/A
N/A
N/A
x
x
=
PA - 13
Other Than
Collision
Collision
Ext. Trans.
Exp., Excess
Electrical
Equip.
New Business 11-01-13
Renewals
11-01-13
RULE 9 - COVERAGES - LIMITS AND DEDUCTIBLES
A. BASE RATES
NonStacked
Uninsured
Motorist
(25/50)
45
Bodily
Property Other Than
Medical
Collision* Collision** Payments
Injury
Damage
Coverage
(25/50)
(25,000) ($100 Ded) ($250 Ded)
(1,000)
150
162
394
400
35
Base Rate
*For vehicles 2004 & Prior, multiply the base OTC rate by a factor of 0.69.
**For vehicles 2004 & Prior, multiply the base Collision rate by a factor of 0.70
Use ISO’s 2015 Base Model Year and Symbol Relativities to calculate physical damage premiums.
B. SPLIT LIABILITY LIMITS
B.I. Limits (000)
25/50
50/100
100/300
300/300
250/500
**500/500
Factor
P.D. Limits
1.00
1.24
1.34
1.46
1.51
1.69
25,000
50,000
100,000
**250,000
Factor
1.00
1.06
1.16
1.35
** Do Not Bind Coverage. Refer to the Home Office for eligibility. To write maximum limits, the risk
should be without any accidents or violations in the past three years. Asset protection is the primary
factor in high limit consideration.
C. MEDICAL PAYMENTS
Listed below are the available limits. Multiply the base rate by the limit factor shown:
Limit
Factor
500
1,000
2,000
5,000
10,000
25,000
0.90
1.00
1.13
1.50
1.94
2.63
Oklahoma (Ed. 004)
North Star Mutual Ins. Co.
PA - 14
New Business 11-01-15
Renewals
11-01-15
RULE 9 - COVERAGES - LIMITS AND DEDUCTIBLES (Continued)
D. UNINSURED MOTORISTS COVERAGE (Includes Underinsured Motorists Coverage)
PP 04 62
1. OWNERS
a. Non-Stacked Uninsured Motorists Coverage
This form of auto insurance will be provided on a non-stacked basis, at limits not less than Financial
Responsibility limits, under every auto liability policy issued, delivered, renewed, or extended in the
State of Oklahoma with respect to a motor vehicle registered or principally garaged in Oklahoma.
Such offer shall be made on separate selection forms approved by the Oklahoma Insurance
Commissioner. The form must be presented separately from the application.
b. Increased Limits
The named insured or applicant shall be offered the option to select increased limits up to, but not
exceeding, the bodily injury liability limits in the policy. If increased limits are selected by the named
insured or applicant, such selection shall apply to all motor vehicles registered or principally garaged
in Oklahoma and all insureds under the policy.
c. Exceptions
(1) The named insured has the right to reject such coverage or select lower limits in writing. If this
coverage is rejected by the named insured, or applicant, such rejection shall apply to all motor
vehicles registered or principally garaged in Oklahoma and all insureds under the policy.
(2) The written agreement to reject this coverage or select lower limits shall remain valid for the life of
the policy unless the named insured requests this coverage or higher limits in writing.
(3) The completion of a new selection form shall not be required on:
(a) Subsequent renewal, reinstatement, substitute, replacement or amended policies issued to
the same named insured by the same insurer or any of its affiliates; or
(b) Any changes to an existing policy regardless of whether these changes create new coverage.
d. Rates
(1) Basic Limits are 25/50. Refer to Rule 9.A. for base rates.
(2) Increased Limits – For increased limits, multiply the base rate by the appropriate factor:
Limit (000)
Factor
25/50
50/100
100/300
300/300
250/500
500/500
1.00
1.20
1.47
1.73
1.97
2.72
e. Rates for multi-car risks are on a per vehicle basis. Apply these rates to each vehicle, including the
first vehicle.
f.
The premium shall not be subject to modification under the provisions of any rating plan or other
manual rule (except the Companion Policy Discount and Insurance Score).
2. NON-OWNERS
If a named non-owned policy is extended to provide Uninsured Motorists Coverage, the rate for such
extension of coverage shall be the same rate as that shown for Owners.
Oklahoma (Ed. 004)
North Star Mutual Ins. Co.
PA - 15
New Business 11-01-15
Renewals
11-01-15
RULE 9 - COVERAGES - LIMITS AND DEDUCTIBLES (Continued)
E. PHYSICAL DAMAGE COVERAGE FOR VEHICLES TEN MODEL YEARS OLD AND
OLDER
Physical damage coverage on vehicles 10 through 14 model years of age may be written with the following
minimum deductibles:
Other Than Collision (OTC) ...................................................................
Collision ..................................................................................................
$100
$250
Do not bind physical damage coverage on vehicles 20 model years old or older. Additional consideration may
be secured from the Home Office on farm trucks and vehicles eligible for stated amount coverage.
Two color photographs from opposite diagonal corners are required for vehicles that are 15 model years old
or older. (Vehicle age changes on October 1st of each year).
F. DEDUCTIBLE INSURANCE
1. DEDUCTIBLE LIABILITY INSURANCE
Deductible Liability Insurance is not available for vehicles classified and rated according to the rules of
this manual.
2. OTHER THAN COLLISION (OTC) DEDUCTIBLE FACTORS
$ ACV Deductible - Multiply the base OTC rate by 1.70.
$ 50 Deductible - Multiply the base OTC rate by 1.25.
$ 100 Deductible - Multiply the base OTC rate by 1.00.
$ 200 Deductible - Multiply the base OTC rate by 0.92.
$ 250 Deductible - Multiply the base OTC rate by 0.88.
$ 500 Deductible - Multiply the base OTC rate by 0.74.
$1,000 Deductible - Multiply the base OTC rate by 0.63.
$1,500 Deductible - Multiply the base OTC rate by 0.53.
$2,000 Deductible - Multiply the base OTC rate by 0.45.
$2,500 Deductible - Multiply the base OTC rate by 0..37.
3. COLLISION DEDUCTIBLE FACTORS
$ 100 Deductible - Multiply the base Collision rate by 1.30.
$ 200 Deductible - Multiply the base Collision rate by 1.14.
$ 250 Deductible - Multiply the base Collision rate by 1.00.
$ 500 Deductible - Multiply the base Collision rate by 0.83.
$1,000 Deductible - Multiply the base Collision rate by 0.67.
$1,500 Deductible - Multiply the base Collision rate by 0.58.
$2,000 Deductible - Multiply the base Collision rate by 0.51.
$2,500 Deductible - Multiply the base Collision rate by 0.45.
Oklahoma (Ed. 005)
North Star Mutual Ins. Co.
PA - 16
New Business 11-01-15
Renewals
11-01-15
RULE 10 - SYMBOL DETERMINATION FOR PICKUPS, VANS, FARM
TRUCKS AND UNLISTED VEHICLES
If the symbol for that particular vehicle is not shown in the symbol section, the physical damage premiums are
based on “LIST PRICE NEW” and are assigned a symbol as follows:
(For use with 2011 and subsequent Model Year vehicles)
Symbol
List Price New
Symbol
List Price New
$1 $3,000
$35,001 - $36,000
01
41
$3,001 $5,500
$36,001 - $37,000
02
42
$5,501 $8,000
$37,001 - $38,000
03
43
$8,001 $9,000
$38,001 - $39,000
04
44
$9,001 - $10,000
$39,001 - $40,000
05
45
$10,001 - $11,000
$40,001 - $41,250
06
46
$11,001 - $12,000
$41,251 - $42,500
07
47
$12,001 - $13,000
$42,501 - $43,750
08
48
$13,001 - $14,000
$43,751 - $45,000
10
49
$14,001 - $15,000
$45,001 - $46,250
11
50
$15,001 - $15,625
$46,251 - $47,500
12
51
$15,626 - $16,250
$47,501 - $48,750
13
52
$16,251 - $16,875
$48,751 - $50,000
14
53
$16,876 - $17,500
$50,001 - $52,500
15
54
$17,501 - $18,125
$52,501 - $55,000
16
55
$18,126 - $18,750
$55,001 - $57,500
17
56
$18,751 - $19,375
$57,501 - $60,000
18
57
$19,376 - $20,000
$60,001 - $65,000
19
58
$20,001 - $20,625
$65,001 - $70,000
20
59
$20,626 - $21,250
$70,001 - $75,000
21
60
$21,251 - $21,875
$75,001 - $80,000
22
61
$21,876 - $22,500
$80,001 - $85,000
23
62
$22,501 - $23,125
$85,001 - $90,000
24
63
$23,126 - $23,750
$90,001 - $95,000
25
64
$23,751 - $24,375
$95,001 - $100,000
26
65
$24,376 - $25,000
$100,001 - $110,000
27
66
$25,001 - $25,625
$110,001 - $120,000
28
67
$25,626 - $26,250
$120,001 - $130,000
29
68
$26,251 - $26,875
$130,001 - $140,000
30
69
$26,876 - $27,500
$140,001 - $150,000
31
70
$27,501 - $28,125
32
$28,126 - $28,750
Rating Symbol Only*
33
71
$28,751 - $29,375
Rating Symbol Only*
34
72
$29,376 - $30,000
Rating Symbol Only*
35
73
$30,001 - $31,000
Rating Symbol Only*
36
74
$31,001 - $32,000
Rating Symbol Only*
37
75
$32,001 - $33,000
38
$33,001 - $34,000
$150,001 and above**
39
98
$34,001 - $35,000
40
*Not for use in assigning price new symbols. These are Rating Symbols only. They have no corresponding price
ranges and will therefore not be used as Price New Symbols. Vehicles can only be assigned these Rating
Symbols via experience-based modification.
**Vehicles assigned Symbol 98 will not be subject to symbol modification. Vehicles assigned Symbol 98 will be
priced via Rule 11.
Oklahoma (Ed. 001)
North Star Mutual Ins. Co.
PA - 17
New Business 11-01-10
Renewals
11-01-10
RULE 10 - SYMBOL DETERMINATION FOR PICKUPS, VANS, FARM
TRUCKS AND UNLISTED VEHICLES (Continued)
(For use with 1989
& Prior Model
Year vehicles)
LIST PRICE NEW
$
0- 2,100
2,101- 2,750
2,751- 3,700
3,701- 5,000
5,001- 6,500
6,501- 8,000
8,001-10,000
10,001-12,500
12,501-15,000
15,001-17,500
17,501-20,000
20,001-24,000
24,001-28,000
28,001-33,000
33,001-39,000
39,001-46,000
46,001-55,000
55,001-65,000
65,001- Above
(For use with 1990
thru 2010 Model
Year vehicles)
SYMBOL
LIST PRICE NEW
1, 2
3
4
5
6
7
8
10
11
12
13
14
15
16
17
18
19
20
21
$
0- 6,500
6,501- 8,000
8,001- 9,000
9,001-10,000
10,001-11,250
11,251-12,500
12,501-13,750
13,751-15,000
15,001-16,250
16,251-17,500
17,501-18,750
18,751-20,000
20,001-22,000
22,001-24,000
24,001-26,000
26,001-28,000
28,001-30,000
30,001-33,000
33,001-36,000
36,001-40,000
40,001-45,000
45,001-50,000
50,001-60,000
60,001-70,000
70,001-80,000
80,001-Above
SYMBOL
1
2
3
4
5
6
7
8
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
The extra equipment on this type unit greatly affects the “LIST PRICE NEW” and it is, therefore, required that the
section on the supplemental application form and/or request for change form be completed for this type unit.
Customization is excluded unless specifically insured. Refer to RULE 21 if coverage is desired for this exposure.
Oklahoma (Ed. 001)
North Star Mutual Ins. Co.
PA - 18
New Business 11-01-10
Renewals
11-01-10
RULE 11 - DETERMINING PHYSICAL DAMAGE RATES FOR SYMBOLS NOT
DISPLAYED ON STATE RATE PAGES
A. 2011 And Later Model Years – Symbol 98 Vehicles
Develop the Base Rates for Symbol 98 vehicles as follows:
1. Other Than Collision
a. Increase the factor for Symbol 70 by +0.74 for each $10,000 or fraction of $10,000 above $150,000 of
Original Cost; and
b. Apply this factor to the Symbol 11 rate for the applicable model year.
2. Collision
a. Increase the factor for Symbol 70 by +0.35 for each $10,000 or fraction of $10,000 above $150,000 of
Original Cost; and
b. Apply this factor to the Symbol 11 rate for the applicable model year.
B. 1990-2010 Model Years – Symbol 27 Vehicles
Develop the Base Rates for Symbol 27 vehicles as follows:
1. Other Than Collision
a. Increase the factor for Symbol 26 by +0.74 for each $10,000 or fraction of $10,000 above $80,000 of
Original Cost; and
b. Apply this factor to the Symbol 8 rate for the applicable model year.
2. Collision
a. Increase the factor for Symbol 26 by +0.35 for each $10,000 or fraction of $10,000 above $80,000 of
Original Cost; and
b. Apply this factor to the Symbol 8 rate for the applicable model year.
Oklahoma (Ed. 002)
North Star Mutual Ins. Co.
PA - 19
New Business 09-01-11
Renewals
09-01-11
RULE 12 - EXCESS ELECTRONIC EQUIPMENT COVERAGE AND TAPES,
RECORDS, DISKS AND OTHER MEDIA COVERAGE PP 03 13
(COVERAGE CODE 014)
A. COVERAGE
The policy includes $1,000 coverage for electronic equipment that reproduces, receives or transmits audio,
visual or data signals which is permanently installed in the vehicle at the time of loss. Such equipment
includes, but is not limited to:
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
Radios and Stereos;
Tape Decks;
Compact Disk Systems;
Navigation Systems;
Internet Access Systems;
Personal Computers;
Video Entertainment Systems;
Telephones;
Televisions;
Two-way Mobile Radios;
Scanners; or
Citizens Band Radios.
This sublimit may be increased to any one of the limits shown below and is subject to the Other Than
Collision Deductible.
Coverage is not available for radar detectors.
B. RATING
Develop the premium independently for each covered auto as follows:
1. Excess Electronic Equipment Coverage.
a. Determine the maximum limit of liability for excess electronic equipment permanently installed in that
auto. Do not include the cost of tapes, records, disks or other media in determining this limit.
Additional coverage for $200 worth of tapes, records, disks and other media applies at no additional
charge when coverage is provided for increased limits for excess electronic equipment.
b. Select the premium from the table below:
Maximum Limit of Liability For
Excess Electronic Equipment
Semi-Annual Premium
Per Auto
$1,500
$ 45
2,000
60
2,500
75
3,000
90
3,500
105
4,000
120
4,500
135
5,000
150
For limits in excess of $5,000, Refer to Company.
2. Tapes, Records, Disks and Other Media Only.
When coverage is not purchased for increased limits for excess electronic equipment, coverage for $200
worth of tapes, records, disks and other media is available for an additional premium charge of $8 per
auto, per 6 month term. Attach the excess electronic equipment coverage endorsement to the policy.
C. ENDORSMENT
Attach the excess electronic equipment coverages endorsement to the policy.
Oklahoma (Ed. 002)
North Star Mutual Ins. Co.
PA - 20
New Business 11-01-10
Renewals
11-01-10
RULE 13 - NAMED NON-OWNER COVERAGE
PP 03 22
A. NAMED NON-OWNER
Named Non-Owner Coverage may be used for an individual who does not own an auto but drives borrowed
or rented autos. This coverage is usually applied to a temporary replacement auto.
Coverage may also be extended to the spouse and resident relatives of that named individual.
Named Non-Owner Coverage should not be used on new business.
B. INELIGIBLE
1. Persons driving other than private passenger type vehicles.
2. Operators and Employees of garages, parking lots, etc.
C. RATING
1. LIABILITY AND MEDICAL PAYMENTS
Charge the following percentage of the applicable premiums that would apply if the named individual
owned an auto, using the premium determination procedures set forth in Rule 7. Premium Determination.
a. Exclusions for vehicles furnished or available for regular use apply:
Person(s) Named
Named Individual
Named Individual and Resident Relatives
(including Named Individual's Spouse)
Percentage Charge
40%
60%
b. Exclusions for vehicles furnished or available for regular use do NOT apply:
Person(s) Named
Named Individual
Named Individual and Resident Relatives
(including Named Individual's Spouse)
Percentage Charge
60%
80%
2. UNINSURED MOTORISTS COVERAGE
Charge the Non-Stacked Uninsured Motorists Coverage rate that would apply if such individual owned an
auto – Refer to Rule 9.A. for base rate and Rule 9.D. for increased limit factors.
D. ENDORSEMENT
Attach the Named Non-Owner Coverage endorsement to the policy.
Oklahoma (Ed. 002)
North Star Mutual Ins. Co.
PA - 21
New Business 11-01-10
Renewals
11-01-10
RULE 14 - EXTENDED NON-OWNED COVERAGE (BORROWED OR RENTED
AUTOS PP 03 06
A. ELIGIBILITY
The Extended Non-Owned Coverage endorsement may be used for an individual who owns an auto but also
drives borrowed or rented autos.
Coverage may also be extended to the spouse and resident of that named individual.
B. INELIGIBLE
1. Persons driving other than private passenger vehicles.
2. Operators and employees of garages, parking lots, etc.
C. COVERAGE
The Personal Auto Policy (PAP) may be extended to cover Vehicles Furnished Or Available For Regular Use
Except As Public Or Livery Conveyances.
Under the liability coverage section of the PAP, coverage is not provided for non-owned vehicles furnished or
available for regular use. By choosing liability coverage under the Extended Non-Owned Coverage - Vehicles
Furnished or Available for Regular Use endorsement, liability coverage provided under the basic PAP may be
extended to cover vehicles furnished or available for regular use except vehicles furnished for use as public or
livery conveyances.
D. RATING
Charge the following percentage of the applicable premiums that would apply as if the insured owned the auto
being covered, using the premium determination procedures set forth in Rule 7. Premium Determination.
1. Primary Liability Insurance in Effect
Person(s) Named
Named Individual
Named Individual and Resident Relatives
(including Named Individual's Spouse)
Percentage Charge
12%
13%
2. No Primary Liability Insurance is in Effect
Person(s) Named
Named Individual
Named Individual and Resident Relatives
(including Named Individual's Spouse)
Percentage Charge
90%
100%
E. ENDORSEMENT
Attach the Non-Owned Coverage - Vehicles Furnished or Available for Regular Use endorsement.
Oklahoma (Ed. 003)
North Star Mutual Ins. Co.
PA - 22
New Business 11-01-13
Renewals
11-01-13
RULE 15 - EMPLOYERS NONOWNERSHIP LIABILITY
NSG-PA01
A. A policy may be written, without a specific description of the motor vehicles, to cover a named insured for the
use in the business of the named insured of any private passenger auto which is being used by any employee
of the named insured where the use of such vehicle is only occasional and not frequent. Such autos may not
be owned in whole or in part, or hired or leased by, or loaned to, or registered in the name of the named
insured.
B. RATING
1. Determine the estimated total number of employees of the named insured.
2. Determine the semi-annual advance premium from the table below based on the estimated total number
of employees.
Total Number
of Employees
Bodily Injury
Limits 25/50 (000)
Property Damage
Limit $25,000
1- 5
6-10
$12
22
$4
8
3. Increased Limits - Refer to the Increased Limits Factor Table.
4. Unless there is a great fluctuation in exposure during the policy period, the advance premium determined
at the beginning of the policy term shall be the earned premium.
RULE 16 - OPTIONAL LIMITS TRANSPORTATION EXPENSES COVERAGE
(RENTAL EXPENSE COVERAGE) PP 03 02
The included $20/$600 limit for Transportation Expenses Coverage may be increased to $30/$900, or
$40/$1,200.
A. ELIGIBILITY
Only policies providing Other Than Collision (OTC) Coverage may be provided Increased Limits
Transportation Expenses Coverage.
B. RATING
The rates for this coverage are not subject to classification rating or modification by any rating plan.
Semi-Annual Rate
Per Auto
Coverage
$30/$900 Increased Limits Transportation Expenses Coverage (Coverage Code 706) ..........
$40/$1,200 Increased Limits Transportation Expenses Coverage (Coverage Code 706) .......
$13
$22
Attach the Optional Limits Transportation Expenses Coverage endorsement to the policy.
RULE 17 – ROADSIDE ASSISTANCE CF-2016
A.
This endorsement provides limited coverage for:
1. Emergency Road Service consisting of:
a. Mechanical First Aid (service; not parts);
b. Tire Service;
c. Battery Service; and
d. Delivery Service (gasoline, oil or water. Does not include product costs).
Note that emergency road service is limited to one service per every 72 hours and no more than a total
of five services during a 12-month consecutive period.
2. Towing Service – up to 25 miles;
3. Locksmith Service; and
Oklahoma (Ed. 006)
North Star Mutual Ins. Co.
PA - 23
New Business 11-01-15
Renewals
11-01-15
RULE 17 – ROADSIDE ASSISTANCE (Continued)
4. Trip Interruption – up to $300.
Coverage applies only to those vehicles as designated in the declarations. Coverage for Emergency
Road Service, Towing Service and Locksmith Service is subject to a combined per disablement
occurrence limit of $150 for cars, pickups, vans and SUV’s and $300 for recreational trailers and motor
homes. Utility trailers are automatically covered if being towed by a vehicle covered by Roadside
Assistance.
B. This coverage may be written for Private Passenger Autos, Recreational Trailers and Motor Homes that are
less than 30 model years old. Exceptions may be given for vehicles 30 or more model years old if we are
already providing this coverage on one or more eligible vehicles. This coverage may not be applied to
classic cars, antique cars, farm trucks or semis.
C. RATING
Vehicle Type
Cars/Pickups/Vans/SUV’s
Recreational Trailers/Motor Homes
Semi-Annual Rate Per Vehicle
$10
$20
No discounts are applicable to the Roadside Assistance Rate
RULE 18 - ANTIQUE AUTOS
PP 03 23
An antique auto is a motor vehicle of the private passenger type which is 25 or more years old and is maintained
primarily for use in exhibitions, club activities, parades and other functions of public interest, and occasionally
used for other purposes. The vehicle must have antique or historic license plates.
A. LIABILITY
Charge 40% of Private Passenger “All Other Class/Pleasure Use” base rates. The premiums are subject to
the following minimum premiums:
$10 - Bodily Injury
$ 5 - Property Damage
B. MEDICAL PAYMENTS, UNINSURED MOTORISTS
Charge Private Passenger “All Other Class/Pleasure Use” base rates or premiums.
Oklahoma (Ed. 005)
North Star Mutual Ins. Co.
PA - 24
New Business 06-01-14
Renewals
06-01-14
RULE 18 - ANTIQUE AUTOS (Continued)
C. PHYSICAL DAMAGE (Stated Amount)
The physical damage is written on a stated amount basis. The company’s limit of loss will be the lesser of the:
1. Stated amount shown in the schedule or in the declarations;
2. Actual Cash Value of the stolen or damaged property; or
3. Amount necessary to repair or replace the property.
Antique autos owned by an individual may be written when our company provides the insurance for the
person’s other eligible private passenger vehicles. Coverage is provided by issuing a separate Personal Auto
Policy or by endorsement.
Attach the coverage for damage to your auto (stated amount maximum limit of liability) endorsement.
Coverage
Deductible
Semi-Annual
Rate Per $100
Other Than Collision (OTC)
$ 100
250
500
1,000
1,500
2,000
2,500
$0.53
0.38
0.33
0.27
0.23
0.20
0.18
Collision
$ 250
500
1,000
1,500
2,000
2,500
$0.56
0.41
0.33
0.29
0.26
0.24
Notes:
1. Do not bind coverage on a vehicle with a value over $25,000 - Refer to the Home Office.
2. The vehicle must be insured to 100% of its full value.
3. Attach 2 color photographs of the vehicle taken from opposite diagonal corners of the vehicle.
Multi-Car discount is not applicable on antique autos nor does an antique auto qualify another vehicle for the
discount. However, the following are applicable to antique autos: Accident Prevention Course discount, Insurance
Score, Companion Policy discount, Anti-Theft discount and Passive Restraint discount.
Oklahoma (Ed. 005)
North Star Mutual Ins. Co.
PA - 25
New Business 10-01-12
Renewals
10-01-12
RULE 19 - CLASSIC AUTOS
PP 03 08
A classic auto is a motor vehicle of the private passenger type which is 10 or more years old and may be used on
a regular basis. Its value is significantly higher than the average value of other autos of the same make and
model year.
A. LIABILITY, MEDICAL PAYMENTS, UNINSURED MOTORISTS
Classify and rate as a private passenger auto.
B. PHYSICAL DAMAGE (Stated Amount)
1. Determine the stated amount of coverage applicable to the vehicle.
2. Based on the stated amount of the vehicle, assign a symbol using the “(For use with 2011 and
subsequent Model Year vehicles)” table found in RULE 10.
3. Classify and rate as a private passenger auto using the base rate for the current model year.
The physical damage is written on a stated amount basis. The company’s limit of loss will be the lesser of the:
1. Stated amount shown in the schedule or in the declarations;
2. Actual Cash Value of the stolen or damaged property; or
3. Amount necessary to repair or replace the property.
Notes:
1. Do not bind coverage on a vehicle with a value over $25,000 - Refer to the Home Office.
2. Attach 2 color photographs of the vehicle taken from opposite diagonal corners of the vehicle.
RULE 20 - ELECTRIC AUTOS
An electric auto is a motor vehicle of the private passenger type that is run by electric power and it is not used for
commercial purposes.
A. LIABILITY
Charge 75% of the applicable private passenger base rate.
B. MEDICAL PAYMENTS, UNINSURED MOTORISTS
Charge private passenger base rates or premiums.
C. PHYSICAL DAMAGE
Charge the applicable private passenger base rate.
Oklahoma (Ed. 005)
North Star Mutual Ins. Co.
PA - 26
New Business 10-01-12
Renewals
10-01-12
RULE 21 - CUSTOMIZING EQUIPMENT COVERAGE
PP 03 18
Other Than Collision (OTC) and Collision coverage for customizing equipment may be purchased on a stated
amount basis in excess of $1,000 for any pickup, van or other vehicle insured (except farm trucks or semis) for
physical damage coverage. Refer to the Customizing Equipment Coverage (stated amount insurance)
endorsement for extent of coverage.
A. This endorsement provides coverage for direct and accidental loss to custom furnishings or equipment
including, but not limited to:
1. Special carpeting and insulation, furniture or bars;
2. Facilities for cooking and sleeping;
3. Height - extending roofs;
4. Custom murals, paintings, or other decals or graphics;
5. Wheelchair lifts and handicap accessibility customizations.
The endorsement exclusions apply.
B. The cost of customizing equipment should not be considered when determining the symbol of the vehicle.
C. The customizing charge determined in this rule is the only charge for customized equipment on a vehicle.
D. The charge for customizing is made only when the Customizing Equipment Coverage (stated amount
insurance) endorsement is attached.
E. Do not bind coverage on vehicles with total values over $35,000 - Refer to the Home Office.
F. RATING
1. To determine the stated amount rate per $100 of customizing, use the following rating formula:
Base Rate for Other Than Collision or Collision
x Rating Tier Factor (Dollar Round)
x Territory Factor (Dollar Round)
x Model Year and Symbol Relativity Factor for current model year, Symbol 3 (Dollar Round)
x Deductible Factor (Dollar Round)
x Applicable rate factor below (No Dollar Round. This Is The Stated Amount Rate Per $100)
Other Than Collision (OTC) - For all model years............................ 0.017
Collision - For all model years ........................................................... 0.010
2. Multiply the result of Paragraph 1. by the total desired limit of coverage. (Dollar Round) The amount of
insurance must be at least 100% of the value of the customization.
3. Multiply the result of Paragraph 2. by the Driver Class Factor (Primary +/- Secondary). (Dollar Round)
4. Multiply the result of Paragraph 3. by the Insurance Score Factor. (Dollar Round)
5. Multiply the result of Paragraph 4. by the Companion Policy Discount Factor. (Dollar Round)
NOTES:
1. The Customizing Equipment Coverage (stated amount insurance) endorsement shall be attached.
2. If Other Than Collision (OTC) or Collision coverage for customizing is purchased, the vehicle must have
the corresponding OTC or Collision coverage.
3. The customizing deductibles shall be the same as the vehicle deductibles.
4. If a loss occurs simultaneously to the vehicle insured, which is customized, and the customized
equipment, only one deductible is applicable.
5. If customization coverage is requested, a color photograph of the interior and exterior must be enclosed.
Oklahoma (Ed. 006)
North Star Mutual Ins. Co.
PA - 27
New Business 05-01-15
Renewals
05-01-15
RULE 22 - MOTOR HOMES
PP 03 23 AND PP 03 28
(Motor Homes and Pickups with Permanently Attached Camping Units)
A motor home is a self-propelled land motor vehicle with a living area that is an integral part of the vehicle
chassis, or a pickup with a permanently attached camper body. The living area or camper body must consist of
facilities for cooking, dining, bathroom, sleeping and refrigeration.
Motor homes owned by an individual, not used for permanent living facilities, may be written when our Company
provides the insurance for the insured’s other eligible private passenger vehicles. Coverage is provided by issuing
a separate personal auto policy or by endorsement.
Attach the Miscellaneous Type Vehicle and the Miscellaneous Type Vehicle Amendment (Motor Homes)
endorsements to the policy.
A. LIABILITY, MEDICAL PAYMENTS, UNINSURED MOTORISTS COVERAGE
1. To or from work - Classify and rate as private passenger auto.
2. Pleasure Use Only - (Not driven to or from work or school)
a. Liability Coverage - Charge 50% of the applicable “All Other Class/Pleasure Use” Private Passenger
auto rate. Multi-Car Discount does not apply.
b. Medical Payments, Uninsured Motorists Coverage - Charge the “All Other Class/Pleasure Use”
Private Passenger auto rate.
B. PHYSICAL DAMAGE
1. To or from work - Classify and rate as private passenger auto.
2. Pleasure Use a. Determine the Stated Amount Value (must be 100% of Actual Cash Value) including the value of any
custom built additions and find the corresponding symbol from RULE 10. Do not bind coverage on a
vehicle with a value over $100,000 - Refer to the Home Office.
b. Charge 35% of the applicable “All Other Class/Pleasure Use” rates for private passenger autos. MultiCar Discount does not apply.
3. The limit of the company’s liability will be the lesser of:
a. The stated amount shown on the declaration page; or
b. The actual cash value of the stolen or damaged property, at the time of loss; or
c. The amount necessary to replace the stolen or damaged property.
4. See RULE 9 for limitations on vehicles 10 years old or older.
5. Awnings and Cabanas Include the awnings and cabanas value in the stated amount of the vehicle to which they are attached.
Coverage is provided without a special endorsement when OTC and Collision coverage is selected.
C. ELIGIBILITY
The following are ineligible:
1. Vehicles rented to others.
2. Vehicles used in business.
3. Converted vehicles (such as school buses).
4. Homemade vehicles.
Oklahoma (Ed. 002)
North Star Mutual Ins. Co.
PA - 28
New Business 10-01-12
Renewals
10-01-12
RULE 23 - PICKUP CAMPER BODIES AND TOPPERS
PP 03 08
A. DEFINITIONS
1. PICKUP CAMPER BODY
A Pickup Camper Body is a camper body:
a. If equipped with permanent type cooking and sleeping facilities; and
b. Is not permanently attached to the pickup.
2. PICKUP TOPPER OR CANOPY
A Pickup Topper or Canopy is a hard cover over the pickup box, which has windows and a door for
access. It does not have facilities for cooking and sleeping. Rate as a topper unless the cost is over
$1,000 in which case camper body rates apply.
B. PICKUP CAMPER BODY
1. Permanently Mounted Camper Body - Determine the combined Stated Amount Value of the pickup and
camper body. Rate as a motor home.
2. Removable Camper Body - The pickup and the pickup camper body shall be listed and rated as separate
units.
Rates For: Removable Pickup Camper Bodies; Toppers over $1,000.
a. Determine the Stated Amount Value (must be 100% of Actual Cash Value).
Stated Amount
Semi-Annual
b. Coverage - Class 941000
Deductible
Rate Per $100
Other Than Collision (OTC)
$ 50
$0.54
100
0.50
250
0.41
500
0.35
1,000
0.31
1,500
0.27
2,000
0.24
2,500
0.22
Collision
$100
250
500
1,000
1,500
2,000
2,500
$0.54
0.44
0.37
0.30
0.26
0.23
0.21
c. Pickups - Liability and Physical Damage: - Rate as private passenger. For non-symboled vehicles,
determine a symbol based on original cost new from the tables in RULE 10.
C. PICKUP TOPPER
1. Toppers (cost $1,000 or less)
Coverage is provided without a separate charge when attached to the pick up.
2. Toppers (cost over $1,000)
Rate as a pickup camper body.
Oklahoma (Ed. 002)
North Star Mutual Ins. Co.
PA - 29
New Business 10-01-12
Renewals
10-01-12
RULE 23 - PICKUP CAMPER BODIES AND TOPPERS (Continued)
D. AWNINGS AND CABANAS NSG-PA06
Include the awnings and cabanas value in the stated amount of the vehicle to which they are attached.
Coverage is provided without a special endorsement when OTC and Collision coverage is selected.
E. Physical Damage on units 10 through 14 years of age may be written with the following minimum deductibles.
Other Than Collision (OTC) ...................................................................
Collision ..................................................................................................
$100
$250
Do not bind coverage on units 15 years old or older.
RULE 24 - TRAILERS DESIGNED FOR USE WITH PRIVATE PASSENGER
AUTOS PP 03 08
A. DEFINITIONS
1. UTILITY TRAILER
A trailer designed for use with a private passenger type auto. Included are boat trailers, horse trailers,
snowmobile trailers, and general purpose trailers.
2. CAMPING TRAILER
A trailer which expands into temporary living quarters and is designed for use with a private passenger
auto. A camping trailer differs from a travel trailer in that it is towed as a low-profile collapsed unit.
3. TRAVEL TRAILER
A trailer designed for use with a private passenger auto and permanently equipped as living quarters.
This class applies to trailers less than 34 feet in length and weighing less than 5,000 lbs.
4. FIFTH WHEEL UNIT
A trailer with “goose-neck” hitch or trailer body which extends over a pickup bed and connects to a “fifth
wheel” hitch mounted over the pickup’s rear axle. These trailers will be written according to their use as
1.-3. above.
B. ELIGIBILITY RULES
The following utility and recreational trailers are not eligible for coverage:
1. Passenger trailers;
2. Trailers used for business purposes with any type vehicle other than a private passenger automobile;
3. Trailers used with any automobile owned or hired by the insured and not covered by like insurance in
North Star;
4. A trailer used as premises for office, store or display purposes;
5. Trailers 34 feet or more in length and/or weighing 5,000 lbs. or more;
6. Recreational trailers used as living quarters when another permanent residence is not used and
maintained;
7. Homemade trailers;
8. Trailers seasonally located at a permanent location or site; or
9. Trailers used for ice fishing.
Trailers with a value in excess of $75,000 must be submitted to the home office to determine eligibility.
Oklahoma (Ed. 003)
North Star Mutual Ins. Co.
PA - 30
New Business 06-01-14
Renewals
06-01-14
RULE 24 - TRAILERS DESIGNED FOR USE WITH PRIVATE PASSENGER
AUTOS (Continued)
C. LIABILITY
A Personal Auto Policy providing liability coverage covers trailers designed for use with a private passenger
auto, pickup, van, or farm truck without additional premium charge and without specific description of the
trailer.
Exceptions: Coverage is not provided for a trailer:
1. Used for business purposes with other than a private passenger auto or owned pickup, van or farm truck
(except for farming purposes);
2. Used with other than an owned farm truck for other than farming purposes; or
3. When no auto is owned by the insured.
D. MEDICAL PAYMENTS
A Personal Auto Policy providing Medical Payments Coverage provides coverage for trailers without
additional premium charge and without specific description of the trailer if designed for use with a private
passenger auto, pickup or van.
Exceptions: Coverage is not provided for a trailer:
1. Used for business purposes with other than a private passenger, auto or owned pickup, van or farm truck;
2. When no auto is owned by the insured; or
3. Located for use as a residence or premises.
Oklahoma (Ed. 003)
North Star Mutual Ins. Co.
PA - 31
New Business 11-01-13
Renewals
11-01-13
RULE 24 - TRAILERS DESIGNED FOR USE WITH PRIVATE PASSENGER
AUTOS (Continued)
E. PHYSICAL DAMAGE
Trailers are to be insured as separate items with separate premiums shown for each unit. The deductible
applies separately to each unit. Attach the Coverage For Damage To Your Auto (stated amount maximum
limit of liability) endorsement.
1. Recreational Trailers - Non-self-propelled recreational units equipped as living quarters (including
cooking, dining, plumbing or refrigeration facilities).
a. Other Than Collision (OTC) and Collision - Use the following rates.
b. Awnings and Cabanas Include the awnings and cabanas value in the stated amount of the vehicle to which they are
attached. Coverage is provided without a special endorsement when OTC and Collision coverage is
selected.
2. Light Utility Trailers.
Other Than Collision (OTC) and Collision - Use the following rates.
3. All Other Trailers - PP 03 08
5th wheel grain, stock or flat bed; and heavy stock or grain trailers.
Other Than Collision (OTC) and Collision - Use the following rates.
Determine the Stated Amount Value (must be 100% of Actual Cash Value).
Coverage - Class 941000
Deductible
Stated Amount
Semi-Annual
Rate Per $100
Other Than Collision (OTC)
$
50
100
250
500
1,000
1,500
2,000
2,500
$0.58
0.53
0.43
0.36
0.30
0.26
0.23
0.21
Collision
$ 100
250
500
1,000
1,500
2,000
2,500
$0.55
0.45
0.38
0.30
0.26
0.23
0.21
4. Physical Damage on units 10 through 14 years of age may be written with the following minimum
deductibles.
Other Than Collision (OTC) ..............................................................
Collision ..............................................................................................
$100
$250
Do not bind coverage on units 15 years old or older.
Oklahoma (Ed. 002)
North Star Mutual Ins. Co.
PA - 32
New Business 10-01-12
Renewals
10-01-12
RULE 25 - AUTO LOAN/LEASE COVERAGE
PP 03 35
A. ELIGIBILITY
A policy providing both Other Than Collision and Collision coverage may be extended to provide coverage for
the difference between the outstanding indebtedness on a loan/lease agreement on a vehicle, and the actual
cash value of the vehicle, subject to the following:
1. Auto Loan/Lease Coverage may be provided only to a new vehicle that is a private passenger auto,
pickup or van; and
2. The insured must request the auto loan/lease coverage within 30 days of leasing or financing a new
vehicle.
3. Coverage may be provided on new business if the vehicle is 2 or less model years old and proof
coverage was provided on prior policy.
A new vehicle as used in this rule is a vehicle that has not previously been titled under the motor vehicle laws
of any state.
B. RATES
Charge 7% of both the Other Than Collision and Collision Coverage premiums for the auto loan/lease
coverage.
C. Coverage does not apply to:
1. Overdue payments;
2. Financial penalties assessed for excessive use, abnormal wear and tear or high mileage;
3. Security deposits not refunded by a lessor;
4. Costs for extended warranties, credit life insurance, health, accident or disability insurance purchased
with the loan or lease; and
5. Carry over balances from previous loans or leases.
RULE 26 - TRUSTS AS ADDITIONAL INSUREDS PP 13 03
A. TRUSTS
A Personal Auto Policy shall be used to afford coverage to private passenger autos and motor vehicles
considered as private passenger autos in Rule 2 if title to the vehicle(s) has been transferred to a trust,
subject to the following requirements
1, The grantor of the trust must be:
a) An individual or spouses; and
b) The only named insured(s) shown in the Declarations.
2. All vehicles insured under the policy must be owned by the trust.
3. The trust will be shown as an additional insured in the Declarations.
4. A vehicle owned by a trust, in which the grantor is a corporate entity, is not eligible under the Personal
Auto Program, but may be written under a Commercial Auto policy.
B. ENDORSEMENT
Attach the Trust Endorsement PP 13 03 to the policy. There is no charge for this endorsement.
RULE 27 - WHOLE DOLLAR PREMIUM
The premium for each exposure shall be rounded to the nearest whole dollar, separately for each coverage
provided by the policy.
A premium involving $0.50 or more shall be rounded to the next higher whole dollar.
This procedure shall apply to all interim premium adjustments, including endorsements or cancellations.
Oklahoma (Ed. 004)
North Star Mutual Ins. Co.
PA - 33
New Business 05-01-15
Renewals
05-01-15
RULE 28 - POLICY PERIOD AND CONTINUATION
A. The premium for a policy shall be determined only on a semi-annual basis.
B. The premium for successive periods shall be determined on the basis of the rules and premiums in effect on
the date of the continuation.
C. Policyholders will initially receive copies of all policy forms. Upon renewal they will receive only a cover page,
declarations, new identification card(s), and forms that are new or revised. Policyholders may receive all
policy forms upon request.
D. When a policy is issued with an effective date on the 29th, 30th or 31st of any month, the first policy period
may run from the date of issuance to the first date of the calendar month following the first policy period.
Premium for the extended coverage of one to three days will be waived.
E. When a policy has been issued there is no flat cancellation. When a policy is cancelled, it is on a pro rata
basis. This is applicable if the policy is cancelled at the request of the insured or the company.
RULE 29 - RATE CHANGE
When a rate change is made the new manual pages are forwarded to the agents approximately a week or ten
days before the effective date of the change. The effective date of the policy, rewrite, and/or endorsement, is the
governing factor in determining if new rates are to be used. The effective date of the rate change will be pointed
out in the Manual Revision accompanying the new rate pages. Policies and endorsements showing this date or a
later date will receive the new rates.
Endorsements that are made during the policy term will be made with the rates that are effective at the time of
change.
RULE 30 - CHANGES
A. All changes requiring premium adjustments shall be computed pro rata.
B. North Star will not refund a return premium of less than $5 if the insured requests the following:
1. Cancellation of coverage;
2. Reduction of limits of liability; or
3. Increase in Deductible,
except that actual return premium shall be returned at the request of the insured.
C. Any endorsement added mid-term that restricts or eliminates coverage must be signed and dated by the
insured per Oklahoma Rules 365-15-1-3(b)(20).
RULE 31 - PRO RATA CHANGES
Changes made mid-term will be computed on a pro rata basis.
Oklahoma (Ed. 002)
North Star Mutual Ins. Co.
PA - 34
New Business 10-01-12
Renewals
10-01-12
RULE 32 - RATING TERRITORIES AND FACTORS
A. A rating territory is a geographical area defined in terms of U.S. Postal Service (USPS) ZIP codes, as shown
on the Territory Definitions pages.
1. Determine the applicable rating territory based on the zip code of the location of principal garaging of the
vehicle. If the ZIP code of the mailing address differs from the ZIP code of the location of principal
garaging, use the ZIP code of the garaging location to assign the rating territory.
2. As ZIP code boundaries are changed by the USPS, a new ZIP code may be created. If this new ZIP code
is not yet listed in the Territory Definitions, use the ZIP code that formerly applied to the risk before the
ZIP code boundaries were changed in order to determine the rating territory for a risk located in the new
ZIP code.
B. TERRITORY FACTORS
The following table displays the rating factors applicable to each territory:
Territory
51 – see ZIP Code Listing
52 – see ZIP Code Listing
53 – see ZIP Code Listing
54 – see ZIP Code Listing
55 – see ZIP Code Listing
56 – see ZIP Code Listing
57 – see ZIP Code Listing
58 – see ZIP Code Listing
59 – see ZIP Code Listing
60 – see ZIP Code Listing
61 – see ZIP Code Listing
62 – see ZIP Code Listing
63 – see ZIP Code Listing
64 – see ZIP Code Listing
65 – see ZIP Code Listing
66 – see ZIP Code Listing
Bodily
Injury
0.75
0.84
0.44
1.00
0.58
0.79
0.59
0.67
0.74
0.64
0.70
0.65
0.55
0.66
0.71
0.68
Other
Non-Stacked
Property
Than
Medical
Uninsured
Damage Collision Collision Payments
Motorist
0.64
0.79
0.89
0.91
1.00
1.04
0.77
0.76
0.84
1.00
0.48
0.87
0.76
0.72
1.00
1.00
1.00
1.00
1.00
1.00
0.59
0.84
0.71
0.73
1.00
0.81
1.01
0.97
1.00
1.00
0.58
0.84
0.72
0.70
1.00
0.68
0.93
0.87
0.80
1.00
0.74
0.88
0.84
0.83
1.00
0.65
0.82
0.80
0.80
1.00
0.68
0.86
0.80
0.74
1.00
0.65
0.82
0.76
0.74
1.00
0.56
0.71
0.66
0.67
1.00
0.75
0.92
0.85
0.79
1.00
0.75
0.77
0.75
0.80
1.00
0.79
0.76
0.87
0.77
1.00
RULE 33 - APPLICATION PROCEDURE
Coverage may be bound subject to the underwriting requirements contained throughout this manual. When an
application is prepared it shall be sent to our office the same day if coverage is to begin immediately. The policy
term begins at 12:01 A.M. at the address of the insured on the effective date; however, coverage will not begin
prior to the time the application is prepared. If coverage is bound, do not hold the application pending receipt of
additional information from the applicant. The application should be submitted with a notation indicating that
additional information will follow.
Applications should be completed in detail, including all accidents regardless of fault. It is mandatory that all
applications be signed by the applicant and the agent. List the names and dates of birth for all drivers and
household members regardless of age.
The Farm Truck Supplemental Application is required for all Farm Trucks. Information on their use and equipment
is essential to determine the correct classification and rating.
When an application is received and coverage is bound, a policy will be issued. If it is determined that the
company underwriting requirements are not met, the policy will be mailed and a cancellation notice issued with a
pro rata earned premium charged. Flat cancellations are not permitted.
Oklahoma (Ed. 007)
North Star Mutual Ins. Co.
PA - 35
New Business 11-01-15
Renewals
11-01-15
RULE 34 - QUESTIONABLE APPLICANTS
If an agent wants to determine if an applicant is acceptable, he may submit a signed application, indicating
COVERAGE NOT BOUND, and we will conduct our underwriting review. It is important to furnish complete
information on the questionability of the applicant with the application. Upon completion of our review, we will
advise if the applicant is acceptable. The application will be retained in our office.
RULE 35 - INSTALLMENT PREMIUM PAYMENT OPTION
Refer to the BILLING INFORMATION Section of the manual for specifics on the installment billing option.
RULE 36 - PREMIUM PROCEDURES
A. NEW BUSINESS
Premium payments must accompany all applications. The premiums can be prepaid (full policy amount
submitted with the application), or installment billed. Refer to the BILLING INFORMATION Section of the
manual for specific billing information.
If the installment option is selected, the minimum down payment must be submitted with the application.
B. RENEWALS
For policies not on the monthly billing option, a renewal billing notice will be sent 15 days prior to the renewal
effective date. The notice will indicate the total amount due and will also show the amount due for the
installment option.
C. ENDORSEMENTS
If installments are remaining, the endorsement premium will be spread to future installment billings. If no
installments are remaining, a bill will be sent immediately.
Return premiums are made payable to the insured and sent to the insured.
IMPORTANT
A. DOWN PAYMENT REQUIREMENTS - A minimum down payment of two months must be attached to all new
applications.
B. All installment and renewal payments should be sent with the remittance portion of the billing notice to:
North Star Mutual
PO Box 48
Cottonwood, MN 56229
C. Renewal premiums must be in our office on or before the due date indicated. If the agent receives the money
after the renewal date, he may bind coverage at the time he receives the money by preparing a new
application. Do not date the application back to the renewal date; it must be dated on or after the date the
renewal premium is received. The agent can bind coverage only by preparing a new application showing the
date and time of day payment is received, and promptly submitting it with the required down payment to our
office. Show the prior policy number on the application.
D. If the insured makes a change on the policy in the renewal period, it is important for the renewal premium
payment to be received in our office to keep the policy from lapsing. The debit or credit endorsement will be
applied and processed accordingly. Again, it is important to timely pay the amount billed to keep the policy
from lapsing.
E. NONPAYMENT - A second billing notice will not be issued. If payment is not received by the date due, the
following notices will be processed:
Renewals - A lapse notice will be sent one day after the renewal date.
Installments and Endorsements - A cancellation carry date will be established and a Final
Premium/Cancellation Notice will be issued 23 days prior to the carry date.
F. BAD CHECK CHARGE - Checks returned by the bank for insufficient funds or similar reasons will result in a
NSF check charge.
Oklahoma (Ed. 004)
North Star Mutual Ins. Co.
PA - 36
New Business 04-15-13
Renewals
04-15-13
RULE 37 - CANCELLATION/NONRENEWAL
A. COMPANY
The company has the option to cancel or non-renew the policy in accordance with State Statutes and Policy
Conditions by giving the required advance written notice. North Star shall give at least ten (10) days notice
prior to the date of cancellation and twenty (20) days notice prior to the date of non-renewal.
B. INSUREDS REQUEST
The policy may be cancelled by the Named Insured by:
1. Surrendering the policy with the latest copy of the declarations page to the company or any of its
authorized agents; or
2. Mailing to the company written signed notice stating when thereafter the cancellation shall be effective.
Back dating of the effective date is not permitted.
C. PRO RATA CANCELLATION
All policies cancelled by the company or at the Named Insureds request shall be cancelled on a pro rata
basis.
RULE 38 - SUSPENSION
If an insured lays up or stores his vehicle for a period in excess of thirty (30) days, all coverages, other than Other
Than Collision (OTC), may be cancelled from the policy on a pro rata basis provided the Home Office is notified at
the time the vehicle is laid up or stored. If the policy does not provide OTC coverage, the entire contract will be
cancelled on a pro rata basis. Suspension coverage is not available. If the casualty coverages are cancelled, OTC
is the only coverage that can be continued. OTC coverage cannot be continued if the casualty coverages are with
some other company unless the insured has a business in which all his liability exposures are covered under a
single liability policy. This is subject to the regulations of the state in which the insured resides.
This will not change our underwriting requirements in that policies will not be issued without Bodily Injury or
Property Damage, unless, as stated above, the insured has a business in which all his liability exposures are
covered under a single liability policy or casualty coverages are provided by the insured’s employer. If a policy
does not include Bodily Injury or Property Damage, the policy cover sheet must be stamped or printed with the
words “THIS POLICY DOES NOT PROVIDE BODILY INJURY AND PROPERTY DAMAGE LIABILITY
COVERAGES.” The words shall be stamped in red ink with not less than 14-point hollow type letters. (O.S. 363616)
Liability Coverage may be suspended at the request of the insured only if the insured has filed an affidavit with the
appropriate motor vehicle license agent stating that the owned vehicle will not be operated during the period of
suspension.
Oklahoma (Ed. 002)
North Star Mutual Ins. Co.
PA - 37
New Business 10-01-12
Renewals
10-01-12
RULE 39 - ELIGIBILITY - VEHICLES AND DRIVERS
The following are not eligible:
A. VEHICLE USE OR CHARACTERISTICS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
Ambulances and hearses
Amphibious autos
Driver training
Dune buggies and hot rods
Emergency vehicles (police patrol and trouble cars)
Motorcycles, motor bikes, motor scooters, ATV’s, golf carts & snowmobiles
Salvage vehicle
Common or contract passenger hauling including hotels, airports, taxi cabs, public or livery conveyance,
or vehicles held for rental
Vehicles owned by garages, service stations and auto dealers
Demonstrators or vehicles held for sale
Hauling of explosives, such as dynamite, fireworks, ammunition, anhydrous ammonia or nitroglycerin
Transportation of entertainers, dance bands, circuses and shows
Fast food, film, newspaper, pizza delivery, or ice cream sales
Vehicles over 10,000 GVW, except farm trucks
Brokered risks
Rolling stores
Vehicles powered by LP gas
An auto 20 or more years old is unacceptable unless it is a secondary vehicle and in excellent condition
Homemade units
Converted school buses
Day care vans/vehicles
stand-alone Farm Trucks
some electric type vehicles (golf carts)
fish house trailers
rental trucks with Gross Vehicle Weight over 26,000 lbs.
any vehicle used for hire.
any risk where the applicant has an outstanding premium balance from a prior North Star policy.
B. APPLICANTS OR DRIVERS
1. Convicted of a felony involving the use of a motor vehicle;
2. Without a valid driver’s license in this state (unless they have established a permanent residence in the
state within the last 60 days);
3. Desiring coverage for terms o less than 6 months;
4. Engaged in illicit business;
5. Requiring a financial responsibility filing (SR-22);
6. Who cannot read or understand road signs;
7. With impairments which affect the safe operation of the vehicle;
8. In the household with serious traffic convictions during the last 5 years. (non-serious convictions include failure to yield, stop sign or signal, speed 10 m.p.h. or less over posted speed limit);
9. Who are owners or principal operators under age 21 unless:
a. Married;
b. Homeowners; or
c. Unmarried and residing with their parents whose automobiles are also insured by our company;
10. Without prior insurance coverage (unless they did not own a vehicle and they are an experienced driver);
or
11. Who had their drivers license suspended or revoked within the past 36 months.
12. who have been cancelled or nonrenewed by other carriers.
C. ACCIDENTS AND CONVICTIONS
Refer to the AUTO DISCOUNT SELECTION GUIDE found in RULE 42.
Oklahoma (Ed. 003)
North Star Mutual Ins. Co.
PA - 38
New Business 05-01-15
Renewals
05-01-15
RULE 40 - RESERVED FOR FUTURE USE
RULE 41 - UNDESIRABLE VEHICLES
Principal operators under the age of 30 assigned to any vehicles which are on the Undesirable vehicles list will
generally not be written. In the event one is written when special conditions are met, the surcharges stated on the
top of the list may be applied depending on driving record and loss history.
15% SURCHARGE (FIVE STAR)
20% SURCHARGE (PREFERRED)
30% SURCHARGE (SELECT)
MAKE
MODEL
MAKE
MODEL
Abarth-Fiat
Abarth
Alpha Romeo
Alpha Romeo
Alpha Romeo
Alpha Romeo
Alpha Romeo
Alpine
AMC
AMC
Arnolt-Bristol
ASA
Aston Martin
Austin-Healy
Avanti
Bay Prod. (Repli-Cars)
Bay Prod. (Repli-Cars)
Bay Prod. (Repli-Cars)
Bentley
Bertone
Bizzarrini
Biota
Bradley GT (Kit Car)
Bricklin
Bugatti
Chevrolet
Chevrolet
Chevrolet
Chevrolet/Geo
Clenet
Concept
Costin
DeLorean
De Tomaso
Dodge
Dodge
Dodge
Duesenberg
Excaliber
Ferrari
Fiat
Fiat
Fiat
Fiat
Fiat
Fiat
Fiber Fab
All Models
All Models
GT
Guilia
Montica
Sprint
Veloce
Allo Berlinette 1300 & 1600
AMX
Javeline
Roadster
All Models
All Models
All 2-Dr. Roadsters & Cps.
All Models
Bugatti Custom 35B
Bugatti Super 35B
Gazelle
All Models
All Models
All 2-Dr. Models
All Models
All Models
All Models
All Models
Camaro IROC-Z
Camaro Z28 & Berlinetta
Corvette
Tracker (1998 & prior)
All Models
Centaur Mark II
All Models
All Models
All Models
Challenger (1978 & Prior)
Charger (1975 & Prior)
Viper
All Models
All Models
All Models
2+2
Racers
Roadsters
2-Dr. Spiders
Sprint
X/19
All Models
Ford
Glassic
Glassic
GTM
IAI
Intermeccanica
ISO
Jensen
Jensen
Lamborghini
Lancia
Ligier (Repli-Car)
Lotus
Mangusta
Marcos
Maserati
Matra
Mercedes-Benz
Merkur
MG
Monteverdi
Morgan
Opel
Pantera
Pininfarina
Plymouth
Plymouth
Pontiac
Pontiac
Pontiac
Porsche
Replicar
Replicar
Replicar
Reproduction I
Rolls Royce
Saab
Saab
Shelby
Siva Saluki
Squire
Stutz Blackhawk II
Sunbeam
Triumph
TVR
Volkswagen
Mustang GT
Phaeton
Romulus II
Super 90
All Models
All Models
All Models
Interceptor
Other Models
All Models
All Models
JS2
All Models
All Models
All Models
All Models
All Models
’69-’79 6.3 & 6.9 Sedan
XR4Ti
All 2-Dr. Roadsters
All Models
All Models
GT
All Models
All Models
Barracuda
Roadrunner
Fiero
Firebird/Formula
GTO (1973 & Prior)
All Models
Auburn
Cord
Duesenberg
Kit Cars
All Models
Granturismo
Sonnett
All Models
All Models
SS 1000
All Models
All 2 Dr. Roadsters & Coupes
All 2-Dr. Roadsters & Coupes
All Models
Thing
Oklahoma (Ed. 003)
North Star Mutual Ins. Co.
PA - 39
New Business 06-01-14
Renewals
06-01-14
RULE 42 - RATING TIER SELECTION AND FACTORS
Purpose -
The purpose of the discount program is to provide auto insurance on an equitable basis to insureds
according to their accident and conviction record and other exposures. Application of the discounts
are subject to Home Office approval.
Procedure - To accomplish the above we have prepared a Discount Selection Guide and rating tier factors for
the Select, Preferred Discount and Five Star Discount. The rating tier factor is applied to the basic
rate to determine the premium.
AUTO DISCOUNT SELECTION GUIDE
UNDERWRITING CHARACTERISTICS
A. Accidents - number per operator (last 3 years)
Select ............................ One (none for operator under 25)
Preferred discount ........ One Not at Fault
Five Star discount ......... One Not at Fault
B. Convictions - number per operator (non-serious-last 3 years; serious-last 5 years)
Select ............................ *One (none for operators under age 23)
Preferred discount ........ *One (none for operators under age 25)
Five Star discount ......... *One (none for operators under age 28)
*A Non Serious Conviction is a minor traffic violation, such as failure to yield, stop sign or signal, and speed
10 mph or less over the posted speed limit.
*A Serious Conviction is a major traffic violation, such as driving while impaired, reckless driving, and major
speed violations
C. Total Occurrences (accidents and convictions) - number per insured household (last 3 years)
Select ............................ Two (multi-car), One (single car)
Preferred discount ....... Two (multi-car), One (single car)
Five Star discount ........ One Not at Fault or One Non Serious Violation (drivers age 28 or older)
The two occurrences may not be for the same operator.
D. Any automobile more than _______ years old is unacceptable unless it is a secondary vehicle and in good
condition.
Select ............................ 25 years
Preferred discount ....... 20 years
Five Star discount ........ 15 years
E. RATING TIER FACTORS
Rating Tier
Five Star Discount
Preferred Discount
Select
Bodily
Injury
1.00
1.16
1.37
Other
Property
Than
Medical
Damage Collision Collision Payments
1.00
1.00
1.00
1.00
1.16
1.16
1.16
1.16
1.37
1.37
1.37
1.37
*Reminder – Do not bind applicants age 75 and older. Consideration will be given by the Auto Underwriting
Department on a non-bound basis if the applicant furnishes an ACORD Medical Statement. This must be
completed by the applicant in the applicant’s own handwriting.
Oklahoma (Ed. 004)
North Star Mutual Ins. Co.
PA - 40
New Business 06-01-14
Renewals
06-01-14
RULE 43 - INSURANCE SCORE
A. A rating factor from the table below will be applied to all coverages based on the insurance score of a named
insured. The insurance score, using the Standard Auto Model from LexisNexis, is developed from credit
related information including: types of accounts, balances, dates opened, and account activity, plus public
records items such as judgments and liens and inquiries initiated by the insured.
Insurance Score
Below 350
350-359
360-369
370-379
380-389
390-399
400-409
410-419
420-429
430-439
440-449
450-459
460-469
470-479
480-489
490-499
500-509
510-519
520-529
530-539
540-549
550-559
560-569
570-579
580-589
590-599
600-609
610-619
620-629
630-639
640-649
650-659
660-669
670-679
680-689
690-699
700-709
Oklahoma (Ed. 005)
North Star Mutual Ins. Co.
Rating Factor
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.50
1.48
1.45
1.42
1.36
1.34
1.31
1.29
1.27
1.23
1.21
1.19
1.18
1.13
1.12
1.10
1.09
1.05
1.00
0.99
0.98
0.97
0.96
0.94
Insurance Score
710-719
720-729
730-739
740-749
750-759
760-769
770-779
780-789
790-799
800-809
810-819
820-829
830-839
840-849
850-859
860-869
870-879
880-889
890-899
900-909
910-919
920-929
930-939
940-949
950-959
960-969
970-979
980-989
990-997
998 No Hits – under age 50
998 No Hits – age 50-74
998 No Hits – over age 74
999 No Score – under age 50
999 No Score – age 50-74
999 No Score – over age 74
Neutral
PA - 41
Rating Factor
0.93
0.91
0.90
0.88
0.84
0.82
0.80
0.80
0.79
0.78
0.77
0.76
0.75
0.74
0.73
0.72
0.71
0.71
0.71
0.71
0.71
0.70
0.70
0.70
0.70
0.70
0.70
0.70
0.70
1.00
0.95
0.90
1.00
0.95
0.90
1.00
New Business 09-01-14
Renewals
09-01-14
RULE 43 - INSURANCE SCORE (Continued)
B. Application of the Insurance Score
1. The insurance score will be applied to all new business and to existing policies at renewal.
2. A statement to indicate an insurance score has been used will be shown on the policy Declaration when
an insurance score is used.
3. The insurance score used, including No Score, will apply for a minimum of 12 months except in cases
where corrections have been made for errors in the insured's credit history file with the national credit
bureaus. A higher score obtained in this process will be applied back to the beginning of the current policy
term.
4. The insurance score will be ordered every 3 years, unless an insured requests it at the time of a renewal.
However, we do not need to obtain the updated insurance score more frequently than once in a 12-month
period.
5. A No Score will continue to apply to a policy except in cases where an insurance score is obtained from a
national credit bureau. If an insurance score is returned, it will apply.
6. In order to comply with statute, a Neutral score from LexisNexis’ Standard Auto Model indicates that the
insured's credit report has been influenced negatively by an extenuating life circumstance such as
catastrophic injury or illness, temporary loss of employment or the death of an immediate family member.
7. If the insurance score drops at the 3-year review, the amount of increase to the insurance score factor is
limited to 0.04 per six-month policy period.
RATING FACTORS AND STATISTICAL CODES
PRIMARY CLASSIFICATIONS
NO YOUTHFUL OPERATOR
Age and Sex
Operator
Age 79 or Over
Operator
Age 78
Operator
Age 77
Operator
Age 76
Operator
Age 75
Operator
Age 65 - 74
Operator
Age 50 - 64
Only Oper in Hshld
Female Age 30 – 49
All Other
Oklahoma (Ed. 004)
North Star Mutual Ins. Co.
Pleasure
less than
3 Miles
8201
1.00
8051
.97
8041
.94
8141
.91
8121
.88
8801
.85
8851
.85
8861
.98
8871
.98
DRIVE TO OR FROM WORK
3 or more,
15 or More,
but less than but less than
15 Miles
30 Miles
8202
8203
1.00
1.15
8052
8053
.97
1.12
8042
8043
.94
1.09
8142
8143
.91
1.06
8122
8123
.88
1.03
8802
8803
.85
1.00
8852
8853
.85
1.00
8862
8863
.98
1.13
8872
8873
.98
1.13
PA - 42
30 or More
Miles
8204
1.15
8054
1.12
8044
1.09
8144
1.06
8124
1.03
8804
1.00
8854
1.00
8864
1.13
8874
1.13
Business
Use
8208
1.25
8058
1.23
8048
1.21
8148
1.19
8128
1.17
8808
1.15
8858
1.15
8868
1.28
8878
1.28
Farm
Use
8209
.81
8059
.78
8049
.75
8149
.72
8129
.68
8809
.65
8859
.65
8869
.81
8879
.81
New Business 10-01-12
Renewals
10-01-12
RATING FACTORS AND STATISTICAL CODES (Continued)
PRIMARY CLASSIFICATIONS
YOUTHFUL UNMARRIED OPERATOR
NOT OWNER OR PRINCIPAL OPERATOR
NOT Eligible
Eligible
For Good Student
For Good Student
Pleasure Use Drive to Work Pleasure Use Drive to Work
or Farm Use Business Use or Farm Use Business Use
OWNER OR PRINCIPAL OPERATOR
NOT Eligible
Eligible
For Good Student
For Good Student
Pleasure Use Drive to Work Pleasure Use Drive to Work
or Farm Use Business Use or Farm Use Business Use
FACTORS SHOWN
INCLUDE
DRIVER TRAINING
CREDIT
AGE
OF
DRIVER
Single FEMALE
17 or less
8064
1.75
8065
1.90
8066
1.55
8067
1.70
8164
2.10
8165
2.25
8166
1.80
8167
1.95
Single FEMALE
18
8074
1.75
8075
1.90
8076
1.55
8077
1.70
8174
2.10
8175
2.25
8176
1.80
8177
1.95
Single FEMALE
19
8084
1.55
8085
1.70
8086
1.40
8087
1.55
8184
1.70
8185
1.95
8186
1.55
8187
1.65
Single FEMALE
20
8094
1.55
8095
1.70
8096
1.40
8097
1.55
8194
1.70
8195
1.95
8196
1.55
8197
1.65
Single FEMALE
21
8264
1.40
8265
1.56
8266
1.30
8267
1.46
8364
1.51
8365
1.66
8366
1.30
8367
1.46
Single FEMALE
22
8274
1.40
8275
1.56
8276
1.30
8277
1.46
8374
1.51
8375
1.66
8376
1.30
8377
1.46
Single FEMALE
23
8284
1.14
8285
1.30
8286
1.14
8287
1.25
8384
1.30
8385
1.35
8386
1.14
8387
1.25
Single FEMALE
24
8294
1.14
8295
1.30
8296
1.14
8297
1.25
8394
1.30
8395
1.35
8396
1.14
8397
1.25
Single MALE
17 or less
8460
2.00
8463
2.15
8466
1.75
8468
1.90
8660
2.80
8663
2.95
8666
2.30
8668
2.45
Single MALE
18
8470
2.00
8473
2.15
8476
1.75
8478
1.90
8670
2.80
8673
2.95
8676
2.30
8678
2.45
Single MALE
19
8480
1.85
8483
2.00
8486
1.60
8488
1.75
8680
2.40
8683
2.50
8686
2.10
8688
2.25
Single MALE
20
8490
1.85
8493
2.00
8496
1.60
8498
1.75
8690
2.40
8693
2.50
8696
2.10
8698
2.25
Single MALE
21
8560
1.40
8563
1.56
8566
1.30
8568
1.46
8760
1.98
8763
2.24
8766
1.61
8768
1.87
Single MALE
22
8570
1.40
8573
1.56
8576
1.30
8578
1.46
8770
1.98
8773
2.24
8776
1.61
8778
1.87
Single MALE
23
8580
1.20
8583
1.30
8586
1.14
8588
1.25
8780
1.46
8783
1.51
8786
1.35
8788
1.40
Single MALE
24
8590
1.20
8593
1.30
8596
1.14
8598
1.25
8790
1.46
8793
1.51
8796
1.35
8798
1.40
Oklahoma (Ed. 005)
North Star Mutual Ins. Co.
PA - 43
New Business 11-01-15
Renewals
11-01-15
RATING FACTORS AND STATISTICAL CODES (Continued)
PRIMARY CLASSIFICATIONS
YOUTHFUL OPERATOR - MARRIED MALE
FACTORS SHOWN
INCLUDE
DRIVER TRAINING
CREDIT
NOT ELIGIBLE
FOR GOOD STUDENT
Pleasure Use
Drive to Work
or Farm Use
Business Use
AGE
OF
DRIVER
17 or less
8964
8965
1.85
18
8974
19
8984
2.00
8960
22
8970
24
8963
1.00
1.10
8972
1.30
8973
1.00
8981
1.10
8982
1.15
8983
1.00
8991
1.05
1.35
8962
1.30
8990
8997
1.25
8971
1.05
1.35
8996
8961
8980
1.65
8987
1.25
1.65
1.15
23
1.50
8995
1.15
8977
8986
1.65
1.50
1.65
8976
8985
8994
8967
1.50
8975
1.50
21
8966
2.00
1.85
20
ELIGIBLE
FOR GOOD STUDENT
Pleasure Use
Drive to Work
or Farm Use
Business Use
1.05
8992
1.15
8993
1.00
1.05
RATING FACTORS AND STATISTICAL CODES
SECONDARY CLASSIFICATIONS
The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points
assigned under the Safe Driver Insurance Plan shall be determined by the addition, or subtraction, of the
appropriate Factor from the applicable table below to the Primary Rating Factor.
Secondary Rating Factors are applicable on Liability, Medical Payments, OTC, and Collision Coverages.
SUB-CLASS
VEHICLE TYPE
Single Car
0
1
10
11
0.00
Multi-Car
20
12
+0.30
21
-0.19
Oklahoma (Ed. 004)
North Star Mutual Ins. Co.
2
PA - 44
4
13
+0.90
22
-0.04
3
14
+1.70
23
+0.27
+3.20
24
+0.77
+1.94
New Business 05-01-15
Renewals
05-01-15
FARM TRUCK RATING FACTOR TABLE
RADIUS & USE
Size Class
0-10,000 lbs. GVW
LIGHT TRUCKS
Size Class
10,001-20,000 lbs. GVW
MEDIUM TRUCKS
Size Class
20,001-45,000 lbs. GVW
HEAVY TRUCKS
Size Class
Over 45,000 lbs. GVW
X-HEAVY TRUCKS
Radius - 100 Miles or less
and Annual Mileage - 5,000
or less, and Not used for
Beets or Potatoes
8001
0.14
8002
0.14
8003
0.14
8004
0.29
Radius - over 100 Miles
or Annual Mileage - over
5,000, or Hauls Beets or
Potatoes
8011
0.20
8012
0.20
8013
0.26
8014
0.38
Must have personal vehicles or supporting farm coverage insured with North Star.
PREMIUM DETERMINATION
A. BODILY INJURY, PROPERTY DAMAGE LIABILITY and MEDICAL PAYMENTS
Apply the appropriate factor to the Private Passenger base rate. (See paragraph D.)
B. OTHER THAN COLLISION (OTC) and COLLISION
Determine the symbol from RULE 10.
Apply the appropriate factor to the Private Passenger base rate. (See paragraph D.)
C. UNINSURED MOTORISTS
Use the private passenger rates.
The Farm Truck factors do not apply.
D. When North Star insures the insureds private passenger cars and pickups, the Farm Trucks may qualify for
the same Rating Tier Factor (Rule 42) as is applied to those vehicles if the truck is:
1. Driven 5,000 miles or less annually; and
2. Not used to haul beets or potatoes.
Trucks exceeding allowable mileage must be rated in Select.
E. The Farm Truck Rates take into consideration the seasonal usage of these vehicles and a lay-up credit is
included. Therefore cancellation for seasonal usage is not permitted.
F. Farm Trucks are not subject to other classification rating rules. (The Multi-Car Discount does not apply. Farm
Trucks do not qualify other vehicles for the Multi-Car Discount.)
G. Refer to RULE 5 for application of the Companion Policy Discount.
H. Semi Tractors and trailers. Do not bind coverage. Eligible only when North Star insures the insured's Private
Passenger Cars and Pickups. Apply the X-Heavy Factor to the Private Passenger base rate.
I. Attach Form CF-1164 Farm Truck Supplement.
ARTISAN RATING FACTOR
Artisan Pickups, Vans and SUV’s ...............................................
Class 8021
Factor .95
LIABILITY, MEDICAL PAYMENTS, OTHER THAN COLLISION (OTC), COLLISION, UNINSURED MOTORISTS
COVERAGES are available.
PREMIUM DETERMINATION - Apply the factor (Primary +/- Secondary) to the Private Passenger auto rates.
Refer to RULE 42 for the Rating Tier Factor. Refer to RULE 5 for the Companion Policy Discount. (This class is
not applicable if the vehicle is operated by a driver age 22 or younger.)
Vehicles under the Artisan Program cannot be titled in a business or corporation name.
Oklahoma (Ed. 005)
North Star Mutual Ins. Co.
PA - 45
New Business 09-01-14
Renewals
09-01-14
SCHEDULE OF ENDORSEMENTS
Form
Number
NSG-PA01
PP 00 01
NSG-PA02
NSG-PA03
NSG-PA04
NSG-PA06
PP 01 71
PP 03 01
PP 03 02
PP 03 05
PP 03 06
PP 03 07
PP 03 08
PP 03 13
PP 03 18
PP 03 19
PP 03 22
PP 03 23
PP 03 28
PP 04 62
PP 13 03
PP 13 38
PP 13 84
CF-1402
CF-1708
CF-2016
PP 23 37
Title
Use
Employers Non Ownership Liability
Personal Auto Policy
Corporation As Named Insured
Pollution Exclusion and Limited Farm Pollution
and Clean Up Coverage
Amendment of Policy Definitions
Amendment of Part D - Coverage For Damage
To Your Auto
Amendment of Policy Provisions – Oklahoma
Federal Employees Using Autos In Government
Business
Optional Limits Transportation Expenses Coverage
Loss Payable Clause
Extended Non-Owned Coverage
Trailer/Camper Body Coverage
Coverage For Damage To Your Auto
Excess Electronic Equipment Coverage and Tapes,
Records, Disks and Other Media Coverage
Customizing Equipment Coverage
Additional Insured - Lessor
Named Non-Owner Coverage
Miscellaneous Type Vehicle Endorsement
Miscellaneous Type Vehicle Endorsement
(Motor Homes)
Uninsured Motorists Coverage – Oklahoma
Trust Endorsement
Named Driver Exclusion Endorsement – Oklahoma
Oklahoma Notice
Agreement
Mutual Policy Conditions
Roadside Assistance
Joint Ownership Coverage – Oklahoma
Oklahoma (Ed. 005)
North Star Mutual Ins. Co.
PA - 46
Employers
Basic Policy
Family Farm Corporations
Pollution Exclusion/Supplementary
Payment Provision
Farm Truck Definition
Awning or Cabana Coverage
State Requirement
Rural Mail Carrier, etc.
Rental Reimbursement
To Name Lienholder
Coverage for Driving Other Autos
Coverage for Awnings, Cabanas etc.
on Recreational Vehicles
Stated Amount Coverage
Electronic Equipment
Stated Amount - Customized Vehicle
Name a Lessor
Insured Does Not Own a Vehicle
Motorhomes, Antiques
Motorhome Coverage
Uninsured Motorist Coverage
Additional Insureds
Other than Insured
Fraud Notice
Policy Agreement and Index
State Requirement
Roadside Assistance Coverage
Other than Insured and Spouse
New Business 05-01-15
Renewals
05-01-15
TERRITORY DEFINITIONS
OKLAHOMA
State Code (35)
Oklahoma Territory rating codes are determined by the ZIP Code of the insured's principal place of residence. For
alternate garaging location Territory Rating Codes - refer to the Home Office.
Territory 51 – North/West/South Oklahoma City Suburban
73002
73004
73010
73016
73018
73022
73023
73028
73031
73036
73044
73059
73065
73074
73079
73080
73089
73090
73092
73093
73095
73173
73750
73756
73762
73764
73772
74074
74075
74076
74077
74078
74820
74821
74826
74830
74831
74837
74840
74843
74852
74854
74866
74867
74873
74878
74884
Territory 52 – Cities of Arcadia and Edmond
73003
73007
73012
73013
73025
73034
73083
73105
73120
73121
73131
73134
73141
73142
73152
73156
73194
73562
73564
73565
73566
73568
73569
73570
73571
73572
73573
73601
73620
73622
73624
73625
73626
73627
73628
73632
73638
73639
73641
73642
73644
73645
73646
73647
73648
73650
73651
73654
73655
73658
73659
73660
73661
73662
73663
73664
73666
73667
73668
73669
73673
73716
73717
73718
73719
73720
73722
73724
73726
73727
73728
73729
73730
73731
73733
73734
73735
73736
73737
73738
73739
73741
73742
73743
73744
73746
73747
73749
73753
73754
73755
73757
73758
73759
73760
73761
73763
73766
73768
73770
73771
73773
73801
73802
73832
73834
73835
73838
73840
73841
73842
73843
73844
73848
73851
73852
73853
73855
73857
73858
73859
73860
73901
73931
73932
73119
73122
73123
73124
73125
73126
73127
73129
73132
73136
73137
73139
73140
73143
73144
73146
73147
73148
73154
73155
73157
73159
73162
73163
73164
73167
73172
73178
73184
73185
73189
73190
73195
73196
74501
74502
74522
74531
74538
74554
74556
74565
74570
74825
74827
74829
74833
74839
74842
74844
74845
74848
74849
74850
74859
74860
74864
74865
74869
74871
74872
74880
Territory 53 – Western Counties
73001
73005
73006
73009
73014
73015
73017
73021
73024
73029
73033
73038
73040
73041
73042
73043
73047
73048
73053
73056
73061
73062
73063
73073
73077
73096
73442
73520
73521
73522
73523
73526
73529
73530
73531
73532
73537
73538
73539
73542
73544
73546
73547
73548
73549
73550
73551
73553
73554
73555
73556
73559
73560
73561
73933
73937
73938
73939
73942
73944
73945
73946
73947
73949
73950
73951
74630
74640
74643
74644
74651
Territory 54 – Oklahoma City
73008
73101
73102
73103
73104
73106
73107
73108
73109
73110
73111
73112
73113
73114
73115
73116
73117
73118
Territory 55 – South and East Rural Oklahoma City
73011
73030
73032
73039
73052
73057
73067
73075
73082
73086
73098
73433
73434
73444
Oklahoma (Ed. 003)
North Star Mutual Ins. Co.
73458
73487
73488
73541
73567
74421
74422
74428
74431
74432
74437
74438
74442
74445
74447
74450
74456
74460
74461
74463
74468
T-1
74883
New Business 03-01-12
Renewals
03-01-12
TERRITORY DEFINITIONS
Territory 56 – Southeast Oklahoma City
73019
73020
73026
73045
73051
73066
73068
73069
73070
73071
73072
73084
73130
73135
73145
73149
73150
73153
73160
73165
73170
74857
74358
74359
74360
74361
74362
74363
74364
74365
74366
74367
74368
74369
74370
74423
74427
74435
74439
74441
74444
74451
74452
74455
74457
74464
74465
74469
74470
74471
74601
74602
74604
74631
74632
74633
74636
74637
74641
74646
74647
74650
74652
74653
74824
74875
74901
74902
74931
74932
74936
74941
74945
74946
74947
74948
74953
74954
74955
74956
74959
74960
74962
74964
74965
74047
74052
74068
74071
74079
74081
74801
74802
74804
74818
74832
74834
74851
74855
74868
74881
73459
73463
73481
73491
73501
73502
73527
73528
73533
73534
73536
73540
73543
73552
73558
74701
74702
74720
74730
74731
74733
74741
74747
74753
73099
73128
73169
73179
74561
74562
74563
74567
74569
74571
74572
74574
74576
74577
74578
74721
74722
74723
74724
74726
74727
74728
74729
74734
74735
74736
74737
74738
74740
74743
74745
74748
74750
74752
74754
74755
74756
74759
74760
74761
74764
74766
74836
74856
74930
74935
74937
74939
74940
74116
74117
74337
74401
74402
74403
74429
74434
74436
74446
74454
74458
74467
74477
Territory 57 – Northeast Counties
73027
73050
73058
74001
74002
74016
74020
74022
74023
74027
74032
74034
74035
74038
74042
74045
74048
74054
74056
74058
74059
74060
74062
74072
74080
74083
74084
74085
74301
74330
74331
74332
74333
74335
74338
74339
74340
74342
74343
74344
74345
74346
74347
74349
74350
74352
74354
74355
Territory 58- Northeast Rural Oklahoma City
73049
73054
73151
74010
74026
74028
74030
74033
74039
74041
74044
74046
Territory 59 – South Central Counties
73055
73401
73402
73403
73425
73430
73435
73436
73437
73438
73439
73440
73441
73443
73446
73447
73448
73449
73453
73456
Territory 60 – Cities of Yukon, Piedmont & Mustang
73064
73078
73085
73097
Territory 61 – Southeast Counties
73432
73450
73455
73460
73461
74425
74426
74430
74440
74459
74462
74472
74521
74523
74525
74528
74529
74530
74533
74534
74535
74536
74540
74543
74545
74546
74547
74549
74552
74553
74555
74557
74558
74559
74560
74942
74943
74944
74949
74951
74957
74963
74966
Territory 62 – Cities of Lawton & Medicine Park
73503
73505
73506
73507
73557
73705
73706
Territory 63 – City of Enid
73701
73702
73703
Territory 64 – North and East Rural Tulsa
74003
74004
74005
74006
74014
74015
74017
74018
Oklahoma (Ed. 003)
North Star Mutual Ins. Co.
74019
74021
74029
74031
74036
74051
74053
74055
74061
74070
74073
74082
T-2
New Business 03-01-12
Renewals
03-01-12
TERRITORY DEFINITIONS
Territory 65 – Cities of Sand Springs, Sapulpa, Glenpool & Bixby
74008
74011
74012
74013
74037
74043
74050
74063
74066
74067
74101
74102
74103
74107
74121
74126
74127
74130
74131
74132
74149
74156
74157
74172
74182
74186
74187
74133
74134
74135
74136
74137
74141
74145
74146
74147
74148
74150
74152
74153
74155
74158
74159
74169
74170
74171
74193
74192
Territory 66 – City of Tulsa
74104
74105
74106
74108
74110
74112
74114
74115
Oklahoma (Ed. 002)
North Star Mutual Ins. Co.
74119
74120
74128
74129
T-3
New Business 09-01-11
Renewals
09-01-11